AEPS (Aadhaar Enabled Payment System)
Assisted banking powered by Aadhaar biometrics.
Aadhaar Enabled Payment System (AEPS) enables neighbourhood retail stores to act as convenient financial service points. Customers simply provide their Aadhaar number and biometric fingerprint to access their bank account securely without requiring a debit card or smartphone.
Key advantages for consumers & retailers
Designed to make financial transactions fast, trustworthy, and simple.
Broad Bank Network
Supports major public, private, and regional rural banks (RRBs) enabled on national assisted banking rails.
Fair Store Margins
Retailers earn clear, dependable commissions on every verified cash withdrawal transaction.
Accessible to Everyone
Enables citizens with basic savings accounts to access cash conveniently using biometric authentication.
Included features & specifications
How AEPS (Aadhaar Enabled Payment System) works
A streamlined three-step experience for customers and store owners.
Customer Enters Details
Customer provides their Aadhaar number and selects their bank at the local Findeer partner counter.
Biometric Verification
Customer places their finger on the certified biometric scanner for secure authentication.
Cash Handover & Receipt
Upon bank authorization, the retailer hands over cash and provides a printed confirmation slip.
Who benefits most from this service?
- Citizens in residential and commercial localities needing nearby cash withdrawal
- Kirana store owners and retail counters looking to offer valuable community services
- Beneficiaries accessing direct benefit transfers (DBT) and pension disbursements
Frequently asked questions
What does a customer need to withdraw cash via AEPS?
The customer only needs to know their bank name and have their Aadhaar number linked to their active bank account. No physical ATM card is required.
How does the retailer get reimbursed for dispensed cash?
The dispensed amount plus the retailer commission is credited directly to the retailer's Findeer wallet, which can be settled into their registered bank account.