AADHAAR ENABLED PAYMENT SYSTEM
Banking For Every Customer — With Just A Fingerprint
AePS lets your customers withdraw cash, check balances and pay merchants using only their Aadhaar number and a fingerprint. No debit card. No cheque book. No bank visit.
A Bank Branch That Fits On Your Counter
The Aadhaar Enabled Payment System is an NPCI-operated interoperable network. A customer picks their bank, enters their Aadhaar number and authenticates with a fingerprint on your biometric scanner — the request travels to their bank through the NPCI switch and settles in seconds.
For a retailer this means you can serve a customer of any participating bank without holding their account, their card or their documents. For the customer it removes the trip to a branch that may be 20 kilometres away.
- Interoperable — one device serves customers of every linked bank
- Biometric authentication removes PIN theft and card skimming risk
- Commission is credited to your wallet the moment a transaction succeeds
Six Things Your Counter Can Do From Day One
Every AePS transaction type is enabled on a single onboarding — no separate approval per service.
Cash Withdrawal
Customer draws cash from their own bank account against a fingerprint; you hand over the notes and your wallet is credited instantly.
Balance Enquiry
A three-second balance check before a withdrawal — the single most requested service in rural outlets, and a natural entry point to every other transaction.
Mini Statement
Last transactions printed or shown on screen so pension, subsidy and wage credits can be confirmed without a passbook update.
Aadhaar Pay
Take payment for goods sold in your own shop straight from the customer's bank account — no cash drawer, no card machine, no QR scan.
Cash Deposit
Accept a deposit into the customer's Aadhaar-linked account, reducing the cash you carry to the bank at the end of the day.
Merchant e-KYC & 2FA
Your own daily two-factor authentication keeps the outlet compliant with NPCI's merchant authentication mandate.
Four Steps, Under A Minute
The whole flow runs inside the Flycash portal — nothing to install beyond your scanner's RD service.
Pick Bank & Enter Aadhaar
Select the customer's bank from the IIN list and key in their 12-digit Aadhaar number.
Capture Fingerprint
The customer places a finger on the RD-registered scanner. The biometric never leaves the encrypted capture.
Bank Authorises
NPCI routes the request to the issuing bank, UIDAI confirms identity and the account is debited.
Pay Out & Earn
You hand over the cash and receipt; commission lands in your Flycash wallet on the same transaction.
See The Service On The Ground
Real outlets, real devices, real customers — this is what an AePS counter looks like once it is live.
A single RD-registered scanner serves customers of every linked bank.
Withdrawal, balance, mini statement and Aadhaar Pay in one place.
Biometric data is encrypted at capture and never stored on your device.
What You Need Before Your First Transaction
Aadhaar & PAN
Your own Aadhaar and PAN for merchant e-KYC.
RD Biometric Scanner
Any UIDAI-certified device — Mantra, Morpho, Startek or Secugen.
Settlement Account
A current or savings account for daily wallet settlement.
A Fixed Outlet
A shop or kiosk address that can be verified during onboarding.
AePS Questions We Hear Most
No. AePS works on the Aadhaar number plus a fingerprint. The customer's bank account only needs to be Aadhaar-seeded.
The transaction is declined at UIDAI before any money moves, so nothing is debited. Retry with a different finger, or clean and dry the finger before the next capture.
If a response times out the transaction is marked pending and reconciled with the bank in the next settlement cycle. Pending items are visible in your transaction report until they close.
Once every calendar day, as required by NPCI. It takes one fingerprint capture at the start of your session and then all transaction types stay open for the rest of the day.
Turn Footfall Into Banking Income
Onboard as a Flycash AePS retailer and start earning on every withdrawal, balance check and Aadhaar Pay collection.
Become A RetailerOnboarding completed in 24 hours · e-KYC done online