AEPS API Services

AEPS API — Secure Biometric Banking

AEPS (Aadhaar Enabled Payment System) API enables secure, biometric-based financial transactions using Aadhaar authentication — without visiting a bank branch. Ideal for retailers, distributors and fintech businesses.

Using fingerprint or IRIS scan, customers can access essential banking services with instant response time and the highest transaction success rate.

AEPS API

Why Your Business Needs AEPS Services

AEPS allows secure, Aadhaar-based financial transactions in rural & semi-urban areas where banking infrastructure is limited.

Cash Withdrawal
Customers withdraw money using Aadhaar + fingerprint.
Mini Statement
View last transactions instantly from Aadhaar-linked bank.
AEPS API Center Image
Balance Inquiry
Check bank account balance in real-time.
Aadhaar Pay
Make merchant payments using Aadhaar & biometrics.
AEPS Services

AEPS Services We Support

Our AEPS API enables secure Aadhaar-based banking services using NPCI’s Aadhaar Enabled Payment System. It is designed for retailers, CSPs, micro-ATMs, BC agents and fintech businesses to offer essential financial services to customers instantly.

  • Cash Withdrawal (CW) – Instant cash-out using Aadhaar + biometric
  • Balance Inquiry (BE) – Real-time balance check
  • Mini Statement (MS) – Last few transactions summary
  • Aadhaar Pay (AP) – Merchant payments through Aadhaar
  • Biometric Authentication (BA) – KYC & identity verification

Additional AEPS Capabilities

  • Supports Mantra, Morpho, Startek, SecuGen & all RD devices
  • Covers all major Aadhaar-linked banks across India
  • NPCI-approved API flow for secure biometric transactions
  • End-to-end encryption to prevent spoofing & fraud
  • Instant transaction receipts & settlement tracking
  • Auto-routing & retry option for failed transactions

Transaction Limits & Rules

  • ₹10,000 per withdrawal (bank-specific limits apply)
  • Unlimited AEPS transactions allowed per day
  • Government-regulated security standards

Who Can Use AEPS?

  • Retailers, CSC centers, BC agents, ATM-less villages
  • Fintechs, payment service providers & distributors
  • Micro-finance institutions & small merchants

Key Features & Benefits

Secure Biometric Authentication

Fingerprint & IRIS-based KYC validation.

NPCI Verified

Built using NPCI-approved AEPS framework for accuracy.

Real-Time Status

Instant transaction success/failure updates.

RD Device Support

Supports Mantra, Morpho, SecuGen & Startek devices.

Instant Settlement

Transactions settled quickly & securely.

Dashboard + API

Full analytics, reports & transaction management.