Aadhaar Enabled Payment System (AEPS)
Turn your shop into a mini-ATM. Help customers withdraw cash, check balance and access banking using just their Aadhaar number and fingerprint — no card, no PIN, no paperwork.
Overview
A government-backed payment system that brings cash and banking to every village, every street, every shop — through Aadhaar. AEPS is a payment system developed by the National Payments Corporation of India (NPCI) that allows customers to perform basic banking transactions using only their Aadhaar number and biometric authentication.
What you can offer
Cash Withdrawal
Customers withdraw from Aadhaar-linked accounts; agents earn per transaction.
Balance Enquiry
Check bank balance without visiting a branch or ATM.
Mini Statement
Display last transactions for account tracking.
Aadhaar to Aadhaar Transfer
Send money using only Aadhaar numbers.
How it works
-
1
Enter the customer's 12-digit Aadhaar number
-
2
Select the customer's Aadhaar-linked bank
-
3
Choose the service type and enter the amount
-
4
Customer places their finger on the biometric scanner
-
5
Receive approval; disburse cash and print the receipt
Frequently asked questions
What is the daily withdrawal limit per Aadhaar?
A customer can do up to ₹10,000 per AEPS transaction and a maximum of 5 successful transactions per Aadhaar per day.
Do I need a fingerprint scanner?
Yes — AEPS requires biometric authentication, so a UIDAI-registered fingerprint scanner is mandatory.
How and when do I get my money?
Settlement occurs on a T+1 basis (next working day), with commission credited to your wallet instantly.
Is the customer's Aadhaar data stored?
Aadhaar numbers and biometric data are never stored locally on the agent device.
Does the customer's Aadhaar need to be linked to their bank?
Yes. AEPS only works for accounts where the customer has linked their Aadhaar number to their bank.
Can I do AEPS for any bank in India?
Yes — AEPS supports all NPCI-member banks, including major public and private institutions.