AEPS

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Aadhaar Enabled
Payment System

Turn Your Shop into a Micro-Banking Point with AEPS

AEPS lets any customer withdraw cash, check balance or get a mini statement using just their Aadhaar number and biometric (fingerprint/iris) authentication — no debit card or PIN needed. As a retailer, you earn commission on every transaction while offering essential banking access in areas with limited branch/ATM presence.

Cash Withdrawal Balance Enquiry Mini Statement Aadhaar Pay

RBI AePS Due-Diligence Directive Compliant

What You Can Offer With AEPS

Cash Withdrawal

Customers withdraw cash from their bank account using Aadhaar + biometric authentication.

Balance Enquiry

Instant account balance check without needing a passbook or net banking.

Mini Statement

Last few transactions printed or shown instantly at the counter.

Aadhaar Pay

Accept merchant payments directly from a customer's Aadhaar-linked account.

How AEPS Works at Your Counter

Enter Aadhaar & Bank

Customer shares their 12-digit Aadhaar number and selects their bank.

Biometric Authentication

Customer verifies identity via fingerprint/iris on a certified device.

Cash Paid Instantly

Transaction is authorized in real time and you hand over the cash.

RBI Guidelines & Rules for AEPS

Every AEPS transaction processed through our platform follows RBI's regulatory framework for Aadhaar-based payments. Retailers should be aware of the following before onboarding customers:

Daily withdrawal cap: â‚¹25,000/day per customer as per the RBI AePS Due-Diligence Directive (effective 1 Jan 2026).

Fund transfer cap: Up to â‚¹50,000 per transaction, within bank-set limits.

Mandatory biometric authentication on a UIDAI-certified (STQC) device for every transaction.

Multi-factor authentication required for any transaction above â‚¹10,000.

SMS/email alert sent to the customer for every AEPS transaction, successful or failed.

48-hour fraud reporting window — any suspected fraud must be flagged within 48 hours of the transaction.

This information is provided to help retailers understand the regulatory framework and is not exhaustive. Always refer to the latest RBI/NPCI circulars and your sponsor bank's onboarding terms before offering this service.

Who Can Become an AEPS Retailer?

Any Indian resident, 18 years or older

Valid PAN & Aadhaar for KYC

A UIDAI-certified biometric (RD service) device

A smartphone/computer with internet connectivity

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