AEPS

AEPS stands for Aadhaar Enabled Payment System. It is a banking service launched by the National Payments Corporation of India (NPCI) that allows people to perform basic financial transactions using their Aadhaar number and biometric authentication (like fingerprint or iris scan), instead of traditional methods like debit cards, cheques, or signatures.

How AEPS Works

  • Customer visits a Banking Correspondent (BC) / Micro ATM agent with Aadhaar linked to their bank account.
  • Provides Aadhaar number and selects the type of transaction.
  • Biometric verification is done (fingerprint/iris scan).
  • The system sends this request to the NPCI AEPS switch.
  • NPCI verifies details with UIDAI and routes the request to the customer’s bank.

API Flow for Retailer Registration

For Retailer Onboarding

  • GetStateList → GetDistrictList → GetBankList → GetMccList → AEPSUserOnBoarding → CheckOnboardStatus

For User Usage

  • UserRegisterBankWise → VerifyOTP → VerifyKyc → 2FA_BankWise → Services [BalanceEnquiry / MiniStatement / Withdraw] → TransactionStatus

Note: The latitude and longitude provided will be used for geo-fencing purposes to define the service area. This geo-fenced area will have a radius of 20 km in diameter. If you are located outside this defined area, you will not be able to perform AEPS (Aadhaar Enabled Payment System) transactions. Please ensure you remain within the geo-fenced zone to access AEPS services.

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