Aadhaar-Enabled Payment System
Empower your Business Correspondents to serve the unbanked. Enable cash withdrawal, balance enquiry, mini statement, and Aadhaar-to-Aadhaar fund transfer using just biometrics.
Integrate AePSWhat You Can Do with AePS
Cash Withdrawal
Customers can withdraw cash using their Aadhaar and fingerprint at any BC agent point — no debit card needed.
Balance Enquiry
Check account balance linked to Aadhaar instantly — works across all Aadhaar-linked bank accounts.
Mini Statement
View last 5–10 transactions on any Aadhaar-linked bank account instantly.
Fund Transfer
Transfer funds from one Aadhaar-linked account to another using biometric authentication only.
Aadhaar Pay
Merchants can accept Aadhaar-authenticated payments for goods and services — no POS needed.
BHIM Aadhaar
Accept BHIM Aadhaar merchant payments with biometric verification and instant settlement.
How AePS Works
Customer Arrives
Customer visits a SIVO-powered BC agent with their Aadhaar number.
Biometric Auth
Agent captures fingerprint on UIDAI-certified biometric device.
Bank Selection
Customer selects the bank linked to their Aadhaar.
Transaction
Cash is dispensed / balance shown / transfer initiated.
Receipt
Instant SMS confirmation to customer and printable receipt for agent.
AePS Advantages
- Works without internet (offline mode)
- No debit card or smartphone required
- Serves all Aadhaar-linked bank accounts
- NPCI-certified AePS processing
- Daily limit: ₹50,000 per customer
- Commission credit within T+1
- Biometric device integration support
- Real-time transaction status API
Reach the Unbanked with AePS
Set up AePS at your agent locations and earn on every biometric transaction.