Introduction

AEPS (Aadhaar Enabled Payment System) is a secure, Aadhaar-based digital banking service that allows customers to perform basic banking transactions like cash withdrawal, balance enquiry, and fund transfers using only their Aadhaar number and biometric authentication—no need for a debit card or PIN.

Powered by NPCI, AEPS enables paperless, cashless, and interoperable banking services, especially in rural and semi-urban areas, through micro-ATMs and banking correspondents.

AEPS supports interbank transactions, allowing users to access their bank account from any AEPS-enabled outlet, regardless of their home branch.

It also plays a key role in government subsidy distribution, enabling direct benefit transfers (DBT) securely into beneficiaries' Aadhaar-linked bank accounts.

Benefits of AEPS API

Secure & Biometric-Based

Transactions are authenticated using Aadhaar number and fingerprint/iris, reducing the risk of fraud or misuse.

Paperless & PIN-Free

No need for debit cards, PINs, or paperwork—just Aadhaar and biometric verification.

Direct Benefit Transfers (DBT)

Facilitates seamless credit of government subsidies, pensions, and welfare schemes into Aadhaar-linked accounts.

Accessible in Remote Areas

Enables banking in rural and underbanked regions through micro-ATMs and banking correspondents.

What Is AEPS API, and Why Use It?

AEPS is one of the most essential digital payment systems in financial inclusion to enable banking without cards or PINs, and hence, using AEPS is critical for accessing banking services like withdrawals, balance checks, and government subsidy transfers in remote and underserved areas.

Key Features of AEPS API

Aadhaar-Based Authentication

Uses biometric (fingerprint/iris) verification linked to Aadhaar for secure transactions.

Real-Time Processing

Immediate transaction authorization and settlement to ensure quick fund transfer.

Fraud Detection

Incorporates biometric and system-level checks to prevent unauthorized access.

API Integration

Easily integrates with banking and fintech systems for seamless service delivery.

Frequently asked questions?

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What is AEPS?

AEPS is a payment system that uses Aadhaar-based biometric authentication to enable basic banking transactions like cash withdrawal, balance enquiry, and fund transfers.

Who can use AEPS?

Any individual with a valid Aadhaar number linked to their bank account can use AEPS through authorized banking correspondents or micro-ATMs.

What transactions can be done using AEPS?

AEPS supports cash withdrawals, balance inquiries, mini statements, and interbank fund transfers.

Is AEPS secure?

Yes, AEPS uses biometric authentication and operates under strict RBI and NPCI regulations to ensure secure transactions.

Do I need a debit card or PIN for AEPS transactions?

No, transactions are authenticated using Aadhaar and biometric verification, eliminating the need for cards or PINs.

Where can I use AEPS services?

AEPS is available at micro-ATMs, banking correspondents, and authorized agents across urban and rural areas.

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