AEPS Activation

AEPS (Aadhaar Enabled Payment System) is a digital payment system that allows bank customers to use their Aadhaar card and fingerprint to perform transactions like cash withdrawal, deposit, balance inquiry, and fund transfers through a Micro ATM / POS device connected to a CSP.

CSP operators, Bank Mitras, and banking correspondents need AEPS activation to offer Aadhaar-based banking services. It is essential for serving customers in rural and semi-urban areas where traditional banking infrastructure is limited.

You need a Micro ATM / POS machine with fingerprint scanner, a computer/laptop, and internet connection. Some machines also support Aadhaar Pay and RuPay card transactions. We help you choose the right equipment.

No, AEPS services can only be offered through a registered CSP / Bank Mitra. You need a valid CSP agreement with a bank to operate AEPS services. We assist in both CSP setup and AEPS activation.

AEPS enables: cash withdrawal, cash deposit, balance inquiry, fund transfer, Aadhaar Pay, and mini statement. The customer only needs their Aadhaar number and fingerprint — no debit card or PIN required.

AEPS activation typically takes 5-7 working days after document submission and machine procurement. We provide training on transaction handling and settlement processes.

The per transaction limit for AEPS is typically ₹10,000 for withdrawal and ₹50,000 for balance inquiry. Daily limits vary by bank but are usually ₹25,000 to ₹50,000 per customer. Higher limits may be available for Aadhaar Pay transactions.

CSP operators can charge customers a nominal service fee per transaction as per RBI guidelines. Typical charges range from ₹5-25 depending on the transaction type and amount. We provide complete guidance on the approved fee structure.

AEPS transactions are settled through the NPCI (National Payments Corporation of India) network. The settlement amount is credited to the CSP's bank account within 1-2 working days. Daily settlement statements are available for reconciliation.

AEPS is interoperable — customers of any bank can transact at any CSP using their Aadhaar number and fingerprint. However, the CSP must have AEPS activation from their sponsor bank to offer services to customers of other banks.