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AEPS Software

AEPS (Aadhaar Enabled Payment System) Software is a fintech solution that allows users to perform banking transactions using their Aadhaar number and biometric authentication (fingerprint or iris scan). It is widely used for cash withdrawals, deposits, balance inquiries, and fund transfers without needing a debit card or ATM.

How Does AEPS Software Work?

1️⃣ Customer Provides Aadhaar Number
2️⃣ Selects the Banking Service (Withdrawal, Deposit, etc.)
3️⃣ Authenticates via Biometric (Fingerprint/Iris Scan)
4️⃣ Request Sent to Bank via NPCI AEPS API
5️⃣ Transaction Processed & Confirmation Received

✅ No need for an ATM card or PIN
✅ Works in rural areas with micro-ATMs
✅ Supports all Aadhaar-linked bank accounts


Key Features of AEPS Software

Cash Withdrawal & Deposit – Customers can withdraw or deposit money using Aadhaar authentication.
Balance Inquiry – Users can check their account balance instantly.
Mini Statement – Provides a summary of recent transactions.
Fund Transfers – Transfers money between Aadhaar-linked accounts.
Micro ATM Support – Works with POS machines & biometric devices.
Agent/Retailer Commission System – Businesses earn a commission per transaction.


Benefits of AEPS Software

Financial Inclusion – Helps rural and unbanked populations access banking services.
No Debit Card Required – Aadhaar-based transactions remove the need for cards.
Secure Transactions – Biometric authentication prevents fraud.
Business Opportunities – Retailers & agents earn commissions per transaction.
24/7 Service Availability – Works anytime, anywhere.