SERVICE 01 · AEPS

Aadhaar Enabled Payment System

Let customers withdraw cash, check their balance or print a mini statement using only their Aadhaar number and fingerprint — no card, no PIN.

Start Offering AEPS Read Terms & Conditions
Device requiredBiometric scanner
Customer needsAadhaar-linked bank a/c
Per-transaction limit₹10,000
SettlementSame business day
WHAT IT IS

Bank-grade cash withdrawal at a retail counter

AEPS uses the customer's Aadhaar number and a fingerprint or iris scan to authenticate directly with their bank, so they can withdraw cash, check their balance or pull a mini statement without carrying a debit card. As a SilverPe partner, you provide the counter, the biometric device and the connectivity — the authentication and settlement run through the SilverPe AEPS gateway.

FOR CUSTOMERS

Cash withdrawal

Withdraw from any Aadhaar-linked bank account using fingerprint authentication.

FOR CUSTOMERS

Balance enquiry

Check the available balance in a linked account without visiting a branch or ATM.

FOR CUSTOMERS

Mini statement

Print the last few transactions for a linked account directly at the counter.

FOR PARTNERS

Compatible devices

Works with all RD-service compliant biometric devices registered with STQC/UIDAI.

FOR PARTNERS

Real-time success tracking

Every attempt — successful, failed or pending — is logged in your dashboard instantly.

FOR PARTNERS

Auto-reversal on failure

Failed withdrawals that debit the customer's account are reconciled and reversed automatically.

HOW IT WORKS

Processing an AEPS transaction

Select AEPS from the dashboard

Choose the transaction type: cash withdrawal, balance enquiry or mini statement.

Enter Aadhaar and bank details

Enter the customer's Aadhaar number and select their bank from the list.

Capture the fingerprint

Ask the customer to place their finger on the connected biometric device.

Hand over the receipt

On success, cash is handed to the customer and a receipt is printed or shared from the dashboard.

EARNINGS

Commission by partner tier

Rates below are indicative per successful withdrawal and are confirmed in your partner agreement.

Partner tierCommission structurePayout
RetailerFlat commission per successful withdrawalCredited to wallet same day
DistributorOverride on every retailer in the groupCredited to wallet same day
Master DistributorOverride across all distributors in the regionCredited to wallet same day
TERMS & CONDITIONS

AEPS service terms

These terms apply specifically to the AEPS service and are in addition to the general SilverPe partner agreement accepted at registration.

  1. AEPS transactions may only be processed using the customer's own Aadhaar number and biometric authentication, captured with the customer physically present at the counter.
  2. The partner is responsible for verifying that the customer consents to the use of their Aadhaar and biometric data solely for the requested transaction.
  3. Per-transaction and daily withdrawal limits are set by UIDAI and the customer's bank, and may change without prior notice from SilverPe.
  4. The biometric device used must be certified and registered as required under applicable UIDAI guidelines; SilverPe is not responsible for devices sourced outside its recommended list.
  5. Where a transaction fails after debiting the customer's account, the amount is reconciled and reversed to the customer's bank account within the timeline set by the bank, typically within 24-48 hours.
  6. Commission is payable only on transactions marked "successful" in the SilverPe dashboard; disputed or reversed transactions do not earn commission.
  7. The partner must not charge the customer any amount over and above the transaction value and any convenience fee disclosed in the dashboard.
  8. SilverPe may suspend AEPS access for any partner ID showing repeated failed authentications, suspected misuse, or complaints of unauthorised withdrawal.
  9. Wallet balance used to fund AEPS float is non-transferable between partner IDs except through the distributor-to-retailer transfer flow in the dashboard.
  10. These terms may be updated from time to time; continued use of the AEPS service after an update constitutes acceptance of the revised terms.
AEPS FAQ

Questions about the AEPS service

Any bank account linked to Aadhaar and enabled for AEPS by the customer's bank can be used; the dashboard lists supported banks at the time of transaction.

The transaction is declined at the authentication step and no amount is debited. The customer can retry or use an alternate finger.

Only the Aadhaar number and a valid fingerprint are required; no physical bank passbook or card is needed.

Add AEPS to your counter

Register today and get your biometric device onboarding checklist.

Register Now