AEPS Service

AEPS – Aadhaar Enabled Payment System

Banking services made simple for your customers.

ZuperMoney AEPS enables eligible retailers to provide assisted banking services using Aadhaar-based authentication, helping customers access essential transactions without visiting a traditional bank branch.

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AEPS transactionA customer places an Aadhaar card at a fingerprint scanner, the fingerprint is verified, and a phone shows a successful transaction with cash withdrawal, balance enquiry and mini statement.AADHAARXXXX XXXX XXXXTransaction successfulCash withdrawal₹5,000Balance enquiry₹12,450Mini statementView detailsSample screen for illustration
Overview

What is AEPS?

AEPS (Aadhaar Enabled Payment System) is an assisted banking service that allows eligible customers to perform selected banking transactions through an authorized BC/retailer point using Aadhaar-based authentication. With ZuperMoney, retailers can offer AEPS services as part of their digital financial services portfolio — expanding their service portfolio, serving customers through a local retail network, and building additional earning opportunities, all managed through one centralized platform.

Customers can access AEPS services through an authorized ZuperMoney retail point, subject to applicable bank and service requirements.

Who can use this?

  • Retailers
  • Distributors
  • Master Distributors
  • White Label / Technology Partners
Process

How AEPS Works

Step 01

Customer Visits the Retailer

The customer approaches an authorized ZuperMoney retailer for an AEPS transaction.

Step 02

Transaction Details Are Entered

The retailer enters the required customer and transaction information through the authorized platform.

Step 03

Aadhaar Authentication

The customer's identity is authenticated using the applicable AEPS authentication process.

Step 04

Transaction Processing

The request is processed through the applicable banking/payment infrastructure.

Step 05

Transaction Confirmation

The retailer receives the transaction status and the customer receives the applicable transaction confirmation.

Capabilities

AEPS Services Available

Cash Withdrawal

Help customers withdraw money from their eligible bank account through an authorized AEPS-enabled retailer.

Balance Enquiry

Customers can check their available account balance through the AEPS service.

Mini Statement

Provide customers with a summary of recent eligible banking transactions.

Aadhaar-Based Banking

Enable assisted banking transactions using Aadhaar authentication, subject to applicable service and bank requirements.

Requirements

What Documents Are Required?

Depending on the onboarding category, applicants may be required to provide:

  • PAN Card
  • Aadhaar Card
  • Bank account details
  • Mobile number
  • Address proof
  • Business/shop details
  • Photograph
  • Additional documents required during verification

Exact requirements may vary according to the applicant type and applicable KYC requirements.

Security & Trust

Security & Compliance

AEPS transactions involve sensitive financial and customer information. Transactions are processed through applicable authorized banking/payment infrastructure and are subject to applicable KYC, security, regulatory, and service-provider requirements.

Retailers must follow ZuperMoney's operational and compliance guidelines while providing AEPS services.

Common questions

Frequently Asked Questions

Start Offering AEPS Services

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