AEPS Software Development
Launch Aadhaar Enabled Payment System services with biometric authentication, cash withdrawal, balance enquiry, and mini statement features for your agent network.
What is AEPS (Aadhaar Enabled Payment System)?
AEPS is a bank-led model that allows online interoperable financial transactions using Aadhaar authentication. It enables customers to use their Aadhaar number and biometric data (fingerprint or iris scan) to perform basic banking transactions like cash withdrawal, balance enquiry, and fund transfer through a micro-ATM at any banking correspondent point. Our AEPS software provides a complete solution for businesses to become banking correspondents and serve the unbanked population of India.
AEPS Software Features
Complete feature set to launch your Aadhaar-based banking services.
Biometric Authentication
Support for all UIDAI-certified biometric devices including fingerprint scanners and iris readers for secure Aadhaar verification.
Cash Withdrawal
Enable customers to withdraw cash from their bank accounts using Aadhaar authentication at your agent locations.
Balance Enquiry
Let customers check their bank account balance instantly using fingerprint authentication at any agent point.
Mini Statement
Provide last 5 transaction details to customers with printed receipts from the mini statement module.
Aadhaar to Aadhaar Transfer
Fund transfer between two Aadhaar-linked bank accounts with biometric verification of the sender.
Multi-Bank Support
Connected to NPCI switch supporting all AEPS-enabled banks for interoperable transactions.
Agent Onboarding Portal
Self-service portal for onboarding new banking correspondents with document upload and verification workflows.
Receipt Printing
Thermal printer integration for generating transaction receipts with all NPCI-mandated details.
Real-Time Settlement
Automated commission calculation and real-time wallet settlement for agents after each successful transaction.
Offline Mode Support
Queue transactions when internet is unavailable and auto-process them when connectivity is restored.
How AEPS Works
Simple biometric-based banking at your agent locations.
Customer Visits Agent
Customer walks into a retail agent or banking correspondent point with their Aadhaar number.
Select Service
Agent selects the required service: cash withdrawal, balance enquiry, mini statement, or fund transfer.
Biometric Verification
Customer authenticates using their fingerprint on a UIDAI-certified biometric device connected to the system.
Transaction Complete
Transaction is processed via NPCI switch. Customer receives cash/receipt and both parties get confirmation.
Frequently Asked Questions
Common questions about our AEPS software development services.
AEPS (Aadhaar Enabled Payment System) is an NPCI-operated system that lets bank customers use their Aadhaar number and biometric data for basic banking transactions at micro-ATM or business correspondent (BC) points. Any Aadhaar-linked bank account holder can use AEPS services without needing a debit card or PIN.
Our AEPS software supports all UIDAI-certified biometric devices including Morpho, Mantra, Startek, SecuGen, and Cogent fingerprint scanners. We also support iris scanners for areas where fingerprint authentication faces challenges.
To become a BC and offer AEPS services, you need to partner with a bank or an authorized BC network. Our platform handles the technical integration. You will need a registered business, a UIDAI-certified biometric device, a smartphone or computer with internet connectivity, and a valid BC certificate from your bank partner.
As per NPCI guidelines, the maximum cash withdrawal limit through AEPS is Rs 10,000 per transaction. However, a customer can perform multiple transactions per day subject to their bank's daily limit policy. Balance enquiry and mini statement services have no monetary limits.
Agents earn commission on every successful AEPS transaction. Commission rates typically range from Rs 2-5 per cash withdrawal transaction. Our software automatically calculates and credits the commission to the agent's wallet in real-time, with detailed reports for reconciliation.
Ready to Launch AEPS Services?
Build your Aadhaar-based banking platform with our complete AEPS software solution. From biometric integration to settlement management.
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