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AEPS

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AEPS Services – Empower Your Shop as a Mini Bank

Turn your retail store into a banking service point with AEPS (Aadhaar Enabled Payment System) and provide essential financial services to customers using just their Aadhaar number and fingerprint. Serve rural and semi-urban customers who may not have access to banks or ATMs—and earn commissions with every transaction!

Whether you're a kirana shop, mobile recharge center, CSC, or small business owner, AEPS allows you to offer cash withdrawal, balance inquiry, mini statement, and more—all using just a biometric device and a smartphone.

What is AEPS?

AEPS is a secure banking service developed by NPCI (National Payments Corporation of India). It enables basic banking transactions using a customer’s Aadhaar number and fingerprint authentication, linked to their bank account.

This service is a lifeline for millions in rural India who don’t use smartphones or net banking but still need access to their money.

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Key AEPS Services You Can Offer

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Cash Withdrawal

Customers can withdraw money from their Aadhaar-linked bank accounts with just fingerprint authentication.

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Balance Inquiry

Help customers check their account balance in seconds.

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Mini Statement

Provide a quick view of the last few transactions for better financial visibility.

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Interoperable Banking

Support for all major Indian banks through NPCI’s platform—no need to visit specific bank branches.

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Instant Receipt & SMS

Customers receive instant confirmation of every transaction.

Benefits for Retailers & Agents

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High-Demand Service

AEPS is widely used, especially in rural areas. Expect regular customers and recurring income.

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Earn Commission on Every Transaction

Withdrawals, inquiries, and statements earn you commissions—small tasks, steady profits.

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Zero Setup Cost

Just use your Android phone, internet, and biometric device (like Morpho, Mantra, etc.)—no expensive equipment needed.

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Increase Customer Footfall

More people visit your shop for AEPS—and may use your other services like DMT, bill pay, and recharges.

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Secure & RBI-Compliant

All transactions are encrypted and processed through NPCI’s AEPS network. Full data privacy ensured.

How AEPS Works at Your Shop

  • Register as an AEPS Partner on our portal or app.
  • Connect a fingerprint scanner (Morpho, Mantra, Startek, etc.).
  • Select the customer’s bank, enter Aadhaar number, and authenticate with fingerprint.
  • Process the desired transaction – withdrawal, balance check, or mini statement.
  • Customer receives SMS confirmation and you can print or show the receipt.

The process is quick, easy, and takes less than a minute!

Why AEPS Is a Must-Have for Your Shop

  • Serves people without smartphones or bank branches nearby
  • Trusted by millions for direct benefit transfers (DBT), subsidies, pensions, and more
  • Keeps your shop busy and profitable throughout the month
  • Enhances your image as a digital and trusted local service provider

Supported Banks Include:

  • SBI

  • Bank of Baroda

  • PNB

  • HDFC Bank

  • ICICI Bank

  • Axis Bank

  • Canara Bank

  • Union Bank

  • Gramin Banks and many more (via NPCI)

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Start AEPS Today – Become a Local Banking Hero!

Don’t miss this opportunity to empower your business and your community. Offer banking services to those who need it most and earn with every transaction.
Register as an AEPS Retail Partner now and turn your shop into a Digital Banking Point!

Register now

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