What is AEPS ?

  • Aadhaar Enabled Payment Services (AEPS) - a simple, secure, and user-friendly mode of payment solution.
  • This service will enable online financial inclusion transaction at Micro-ATM through the business correspondent of any bank.
  • AEPS transactions are card-less and pin-less, an individual can transact digitally using an Android-based handset and fingerprint/iris authentication. The interbank operation methods will provide a wider reach while the biometric authentication by Unique Identification Authority of India (UIDAI) will offer the high level of security.
  • Initiative by National Payments Corporation of India (NPCI) that uses Aadhaar data for the authentication

Build Your Network With The Following Services

Balance inquiry : Your AEPS portal is functional to check balance in your network’s end customers Aadhar linked bank accounts.
Cash withdrawal : Our AEPS API enables your agent network to provide quick and convenient cash withdrawal services to the end users.
Cash deposit : Your agent network could conveniently collect cash and update entries via our AEPS API technology for quick transactions.

Agency Banking Management For Enterprises

  • Build your own agent network
  • Agent management technology
  • Fee sharing
  • Agent hierarchy
  • Super agents

You Take The Control

  • Setup your own commission structures.
  • Add your own agents or distributor and manage campaigns.
  • On-boarding approvals for BC distributor
  • On-boarding approvals for BC agents.


Multiple Platform Options

  • Service API integration platform.
  • Whitelabel generation platform.
  • Espay’s technology integrates seamlessly with your existing software platforms and websites.

Are you evaluating if Espay is the right platform for your product? Talk to our product manager to evaluate the potential financial impact of developing your banking platform with us.

What We AEPS Offer?

Our Aadhar Enabled Services is developed for precise needs of businesses for Micro ATM - A Doorstep Banking System.

Espay’s AEPS services offering comprises,

  • Balance Inquiry – To simplify inter-operability across banks in a safe and secure manner.
  • Cash Withdrawal – To simplify payment of Government Entitlements such as NREGA, Social Security Pension, Handicapped Old Age Pension, etc.   
  • Cash Deposit – To empower banks to route the Aadhar Initiated interbank transactions through a central switching & clearing agency.
  • Aadhar to Aadhar Fund Transfer – To serve the goal of RBI in digitalization of retail payments.

Bank Led Model – Empower a bank customer to use Aadhar for accessibility of Aadhar enabled bank account and perform basic banking transactions through a business correspondent.