Aadhaar Enabled Payment System (AEPS): Fast Cash Withdrawal & Deposits.
Turn your shop into a Mini-ATM. Offer biometric-based banking services using Aadhaar linkage. Secure, fast, and profitable service with real-time commissions.
What Exactly is AEPS?
(AEPS) Aadhaar Enabled Payment System.
The Aadhaar Enabled Payment System (AEPS) is a pioneering financial model introduced by the National Payments Corporation of India (NPCI). It allows bank customers to use their Aadhaar identity to access their respective Aadhaar-enabled bank accounts. This system is designed to provide basic banking services to the unbanked and under-banked population of India, ensuring that banking reaches the most remote areas through Business Correspondents (BCs).
Through our portal, a retailer can offer a wide range of services including Cash Withdrawal, Balance Inquiry, and Mini-Statement generation. The beauty of this system lies in its simplicity—no physical debit card, checkbook, or even a signature is required. A customer only needs their bank name, Aadhaar number, and their fingerprint to perform a secure real-time transaction.
Biometric Security
No PIN or signature needed. Only Aadhaar number and fingerprint verification.
Universal Access
Works across all banks, ensuring complete financial interoperability.
Cardless Transactions
Eliminates the risk of card cloning or loss, simplifying transactions.
Balance Inquiry
Allows users to instantly check their bank account balance securely.
Simple 4-Step Process
Seamless Banking Transactions in Seconds
Customer Registration
Customer provides their Aadhaar number and selects their bank from the supported list.
Biometric Authentication
Customer places their finger on the biometric device for verification with UIDAI database.
Transaction Processing
Request is sent to NPCI server, which communicates with the customer's bank in real-time.
Instant Confirmation
Transaction approved within 3-5 seconds. Digital receipt generated and commission credited instantly.
Why Choose Us? (7 Guarantees)
Highest Commission
We offer the best and most transparent commission rates in the market.
Instant Settlement (T+0)
Money is instantly credited to your wallet after a successful transaction.
256-Bit Security
Your data and transactions are protected with End-to-End Encryption.
Multi-Bank Failover
Instantly switches to another bank upon any server issue, ensuring high success.
Dedicated Support
Quick support available for any technical or settlement related issues.
99.9% Uptime
Guaranteed high uptime throughout the year, meaning lower failure rates.
Simple UI and UX
Easy-to-use Application and Web Portal that works fast.
Boost Earnings with Added Services:
Go beyond recharge. Offer Money Transfer, Bill Payments, and more.
The Secure Working Mechanism of AEPS
A simple process powered by NPCI & UIDAI infrastructure.
Step 1: UIDAI Verification
Aadhaar-based biometric matching.
The Key Step
The Retailer captures the customer's biometric data (fingerprint) which is instantly sent to the **UIDAI server** for demographic verification.
Step 2: NPCI Routing
The National Payments Corporation of India.
The Central Switch
After UIDAI verification, **NPCI (National Payments Corporation of India)** acts as the central switch, routing the transaction request to the correct bank.
Step 3: Issuer Bank
Real-time balance check and authorization.
Authorizing the Funds
The request reaches the customer's **Issuer Bank** for authorization. The bank checks the account balance and biometric match data.
Step 4: Instant Settlement
Fast finalization and commission credit.
Success & Commission
The bank sends approval back through NPCI. The retailer's wallet is credited with the withdrawn amount plus the commission instantly.
A Win-Win Solution for Everyone
AEPS benefits the retailer and the customer equally, fostering growth and financial inclusion.
Benefits for Retailers
Benefits for Customers
Bank Selection
The Retailer selects the customer's Aadhaar-linked bank from the master database.
Identity Input
The unique 12-digit Aadhaar number is entered into our SSL-secured portal.
Biometric Scan
Fingerprint is captured using a registered RD service biometric scanner.
NPCI Validation
NPCI verifies the data with UIDAI and the respective bank host servers.
Instant Settlement
Funds are instantly moved to the merchant wallet with a transaction receipt.
How the Transaction Flow Works?
Enterprise-Grade Security Standards
Your security is our priority. We employ multi-layer encryption and real-time monitoring to safeguard every single rupee processed through our AEPS gateway.
256-Bit Encryption
End-to-end encryption for all sensitive customer and biometric data packets.
Fraud Detection
AI-driven real-time fraud monitoring systems to flag suspicious activities instantly.
PCI-DSS Compliant
Global standards for payment security ensuring data privacy and safe transactions.
Real Retailers, Real Success
10 लाख+ रिटेलर्स की पसंद | Bihar & Jharkhand से सफल कहानियां
Ramesh Kumar Singh
Patna, Bihar
Grocery Store Owner"AEPS service शुरू करने के बाद मेरी दुकान का चलन दोगुना हो गया। रोज़ 150-200 transactions आसानी से हो जाते हैं। महीने में ₹30,000+ कमाता हूँ!"
Priya Sharma
Ranchi, Jharkhand
CSC Center"गांव में बैंक 12 किमी दूर है। AEPS शुरू करने के बाद लोग दूर नहीं जाते। Customer support बहुत अच्छी है, कोई भी समस्या तुरंत ठीक हो जाती है!"
Vikash Kumar
Bhagalpur, Bihar
Mobile Shop"Mobile shop के साथ ये परफेक्ट कॉम्बिनेशन है भैया। 100-120 daily transactions आसानी से हो जाते हैं। Commission तुरंत wallet में credit हो जाता है!"
Sanjay Prasad
Dhanbad, Jharkhand
Kirana Store"Device ₹3,500 में लिया, सिर्फ 5 दिन में investment recover कर लिया। अब पूरे दिन ग्राहक आते रहते हैं। बहुत अच्छा काम है!"
Neha Singh
Gaya, Bihar
Women Entrepreneur"मैं एक महिला हूँ और अकेली दुकान चलाती हूँ। AEPS service से मेरी आय में बहुत इजाफा हुआ। Training बहुत अच्छी दी गई थी। Really happy!"
Rajesh Patel
Muzaffarpur, Bihar
Electronics Store"Electronics के साथ AEPS service ने मेरे business को next level पर ले गई है। लोग AEPS के लिए सीधे मेरी दुकान आते हैं। Extra income है!"
Deepak Verma
Bokaro, Jharkhand
Pharmacy Owner"फार्मेसी में AEPS जोड़ने से patient flow बढ़ गया। ज़्यादा लोग आते हैं, ज़्यादा दवाइयाँ भी बिकती हैं। Win-win situation है!"
Arun Sharma
Arrah, Bihar
General Store"मेरी दुकान छोटी है पर AEPS से अच्छा आय हो जाता है। Government scheme ने जो काम किया है वो काबिल-ए-तारीफ है। सभी को recommend करता हूँ!"
Pooja Gupta
Darbhanga, Bihar
Boutique Owner"Boutique business के साथ AEPS service एक बेहतरीन सिद्धांत साबित हुआ। महिलाएँ बिना शर्माए पैसा निकाल लेती हैं। बहुत अच्छी बात है!"
Mohan Mishra
Jehanabad, Bihar
Tea Shop Owner"चाय की दुकान में AEPS लगवाने के बाद नए ग्राहक आने लगे। जो सिर्फ पैसे निकालते हैं वो चाय भी पी लेते हैं। Business दोनों तरफ बढ़ रहा है!"
Start Offering AEPS Services Today!
Join thousands of retailers earning daily income through AEPS. Zero monthly fees, instant commission, 24/7 support.
- Free Registration
- Same Day Activation
- Free Training Provided
- Device Available on EMI
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