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Why Finkeda for
Aadhaar Pay Services?

Simple, Secure Payments with Biometrics
Customers don’t need to swipe cards, remember PINs, or handle wallets. They just share their Aadhaar number, pick their bank and verify using a fingerprint or face scan. That’s it.
Serve the Unbanked, Right Where They Are
Help buyers in villages, market zones, or low-connectivity areas complete payments without smartphones. Aadhaar Pay works even in locations where UPI and cards can’t.
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Instant Payment + Real Commission
As soon as a transaction is complete, the amount is credited to your wallet or bank account. You also receive your commission instantly with no delays or any confusion.
Built for Safety and Speed
Every transaction is routed through UIDAI-verified channels. Biometric checks at the time of payment prevent fraud and make every settlement traceable and secure.
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Get Started in 4 Easy Steps

Turn any counter into a digital payment desk, with no complex tools required.
Step 1
1
Enter Transaction Details
The merchant chooses "Aadhaar Pay" from the service menu. The amount to be paid is entered. The customer provides their Aadhaar number and picks their bank. The system readies the request for verification.
Step 2
2
Biometric Authentication
The customer verifies identity using fingerprint or facial scan. The system checks this against UIDAI's live database. Only verified matches proceed to the next step. This keeps every transaction secure and traceable.
Step 3
3
Payment Processed Instantly
Funds are deducted from the customer's linked bank account. The amount is instantly credited to the merchant's wallet or account. No OTP or manual intervention is required. The merchant and customer both receive confirmation alerts.
Step 4
4
Receipt and Commission
The merchant hands over a printed or digital receipt. The commission is automatically added to the merchant's wallet. Every transaction is recorded for easy access and audits. Merchants can track earnings and settlements anytime via the portal.
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Key Features & Benefits

01
Payment Without Phone or Card
Your customers can pay without a smartphone or debit card. Aadhaar Pay only needs their Aadhaar number and fingerprint. This helps you serve a wider range of users, especially in rural and semi-urban zones.
Payment Without Phone or Card
02
Perfect for Remote Retailers
Even in areas where mobile networks are weak or bank branches are far, Aadhaar Pay works with minimal tech. All you need is a biometric device and the Finkeda platform.
Perfect for Remote Retailers
03
UIDAI-Verified for Each Transaction
All Aadhaar Pay transactions go through biometric checks that are verified live with UIDAI. This eliminates fake payments and gives both parties peace of mind.
UIDAI-Verified for Each Transaction
04
Earn Every Time You Serve
A small purchase or a larger payment, you earn a commission for every completed Aadhaar Pay transaction. You are not providing just a service but creating a steady income stream.
Earn Every Time You Serve
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Frequently
Asked Questions

Are There Any Transaction Limits?

Yes, there are limits set by individual banks and NPCI. Usually, a customer can withdraw up to ₹10,000 per transaction. Some banks may set daily or monthly limits too. The Finkeda Saathi informs customers about any limits before proceeding.

Can I Access Government Subsidies Via Aadhaar Banking?

Yes. Customers can access subsidies and welfare benefits credited to their bank account through Aadhaar. With a fingerprint check at the Finkeda Saathi outlet, the amount can be withdrawn instantly. This makes subsidy access simple for rural families.

How Do I Offer Aadhaar Banking Services?

To become a Finkeda Saathi, register and complete the simple onboarding process. We provide the device, training, and support. Once setup is done, you can start offering Aadhaar-based services like cash withdrawal, mini statements, and earn commission on every transaction.

How Many Transactions Does NPCI’s AePS/Aadhaar Banking Handle?

NPCI’s AePS platform processes over 20 crore transactions monthly across India. It shows how widely Aadhaar banking is used, especially in rural areas. Finkeda Saathis contribute by offering these services to people who rely on Aadhaar for everyday banking.

How Does Aadhaar Banking Support Financial Inclusion?

It brings banking to places where banks don’t exist. People without smartphones or debit cards can access services using only Aadhaar. No travel, no paperwork. Aadhaar banking helps daily wage workers, farmers, and elderly citizens manage their money safely and close to home.

Is This Service Available Anytime?

Yes. Aadhaar banking services like balance checks and cash withdrawals work 24×7. Finkeda Saathis are often open during weekends and holidays too. This helps customers access money even when banks are closed or far away.

Is Aadhaar Banking Secure?

Yes. Every transaction is verified using the customer’s fingerprint and Aadhaar number. Data is encrypted and processed through NPCI. No PIN or card is used, which lowers fraud risk. Finkeda Saathis also receive secure, certified devices and system support for safe transactions.

What’s Required to Use Aadhaar Banking?

Customers need a bank account linked to Aadhaar and their fingerprint. For the Finkeda Saathi, a smartphone, internet, and biometric device are enough to offer services. No large setup is needed. Aadhaar and fingerprint match is all that’s required to complete transactions.

Who Is Eligible for Aadhaar Banking?

Anyone with a bank account linked to their Aadhaar number can use Aadhaar banking. It helps people in rural and small-town areas who may not have access to debit cards or smartphones. They only need their Aadhaar number and fingerprint for verification.

What Services Come Under Aadhaar Banking?

Aadhaar banking includes cash withdrawals, balance enquiry, mini statements, and Aadhaar Pay. All services are done using Aadhaar and fingerprint, without needing a card or PIN. With just a visit to a Finkeda Saathi, rural customers can access essential banking services safely and quickly, right near their homes.

Is Balance Enquiry Available During Holidays or After Hours?

Yes. Services through AePS and Micro-ATM work even on weekends and holidays. Most Finkeda Saathis stay open beyond bank hours. So, you can check your balance or withdraw money when banks are closed. It’s helpful during emergencies or outside regular working times.

How Does This Service Enhance Financial Inclusion?

It gives people in small towns easy access to banking. No travel, no long lines. Just Aadhaar or a card and a quick visit to the Finkeda Saathi. It helps elderly people, daily wage workers, and others manage their money easily, safely, and close to home.