AEPS Cash
Give customers Aadhaar-based cash withdrawal at your outlet.
What it is
AEPS (Aadhaar Enabled Payment System) lets your customers withdraw cash from their bank account using only their Aadhaar number and fingerprint — no card, no PIN. As a partner you run the transaction on a biometric device at your outlet.
Who it's for
Retailers and neighbourhood outlets serving customers who bank through Aadhaar, especially in semi-urban and rural areas where ATMs are far away.
Your role as a partner
You start the withdrawal on the platform, the customer authenticates with their fingerprint, and you pay out the cash from your float. Limits and settlement follow NPCI and the sponsor bank's rules.
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1
Customer shares their Aadhaar number and selects their bank
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2
You enter the amount on the AEPS platform
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3
Customer authenticates with their fingerprint on the biometric device
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4
The transaction is processed through the NPCI network
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5
You hand over the cash and earn commission on the withdrawal
Ready to offer AEPS Cash to your customers?
Register FreeRequirements
- An active partner account with completed KYC
- A compatible biometric/fingerprint device
- Sufficient cash float at your outlet
Benefits
- Serve customers who have no card or cannot reach an ATM
- Real-time, paperless withdrawals
- High repeat footfall for a neighbourhood outlet
Good to know
- Per-transaction and daily limits are set by NPCI and the sponsor bank
- Requires a working biometric device and the customer's Aadhaar-linked bank
- Service depends on third-party network uptime
Frequently asked questions
Does the customer need a debit card for AEPS?
No. AEPS works with the customer's Aadhaar number and fingerprint — no card or PIN is needed.
Is a biometric device compulsory?
Yes. AEPS withdrawals require Aadhaar-based fingerprint authentication on a compatible device.
Offer AEPS Cash to your customers
Join the Stepway Online partner network — free to start.