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Why Finkeda for
AEPS Services?

No Card or PIN Required
Debit cards and PINs are not required with AEPS services, since it uses biometric authentication. Banking services can be accessed with just a fingerprint or facial scan.
Reach Where Banks Can't
We help merchants serve customers in remote villages, tribal belts and areas—bringing aadhaar banking where physical bank branches or ATMs don’t reach.
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Real-Time Settlements, Real Commissions
Cash is handed over immediately and merchants earn commissions in real-time for every successful AEPS cash withdrawal.
Secure, Verified Transactions
Every AEPS transaction is authenticated with UIDAI-verified biometrics. Our aadhaar enabled payment system reduces fraud and ensures complete security.
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Get Started in 4 Easy Steps

A simple path to providing Aadhaar-based banking in your community.
Step 1
1
Cash Withdrawal
The merchant selects “ Cash Withdrawal” on the portal. The customer shares their Aadhaar number and selects their bank. A fingerprint or face scan is done for verification. Once processed, the amount is debited from the customer’s bank account. The merchant’s wallet is credited with the amount and commission. The merchant hands over the cash.
Step 2
2
Balance Inquiry
The merchant selects “Balance Inquiry.” The customer provides the Aadhaar number and the bank name. Biometric authentication is done. The system instantly displays the customer’s available balance.
Step 3
3
Mini Statement
The merchant selects “Mini Statement.” Aadhaar and bank details are entered. After biometric confirmation, the last 5 transactions are shown.
Step 4
4
Aadhaar Pay
The merchant enters the amount to be received. The customer provides an Aadhaar and selects the bank. Biometric authentication is completed. Funds are taken out of the client’s account and deposited into the merchant’s bank account or wallet to make Aadhaar payment fast and easy.
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Key Features & Benefits

01
No Card. No PIN. Just Aadhaar.
Customers don't need debit cards or passwords. With just their Aadhaar number and biometric verification, they can access AEPS services easily and securely.
No Card. No PIN. Just Aadhaar.
02
Works in Remote and Low-Banking Areas
Merchants can offer banking services even where there are no ATMs or branches. AEPS runs smoothly through mobile devices at shops, stalls, and homes.
Works in Remote and Low-Banking Areas
03
Verified by UIDAI for Each Transaction
Every transaction‐ whether a balance enquiry or AEPS cash withdrawal, is secured with real-time biometric checks backed by UIDAI's verification system. This reduces errors and prevents fraud.
Verified by UIDAI for Each Transaction
04
Merchants Earn Commission on Every Service
Whether the consumer is going for a cash withdrawal, balance check, or aadhaar payment, merchants receive instant commission for every completed transaction.
Merchants Earn Commission on Every Service
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Our Partners

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Frequently
Asked Questions

Is AEPS Usable Across Different Banks?

Yes, AePS works across all major banks in India. As long as the customer’s account is Aadhaar-linked, they can access services regardless of the bank. This makes AePS highly flexible and useful for people in remote areas with accounts in different banks.

How Does AePS Support Rural Banking Access?

AePS brings banking closer to home. Rural customers no longer need to travel far or stand in long queues. Through local Finkeda Saathis, they can withdraw money or check their balance anytime. It saves time, reduces costs, and makes banking services available to everyone.

Are Agent Devices and Settlement Secure?

Yes, all devices used by Finkeda Saathis are certified and safe. Settlements are processed securely and quickly. Every transaction is verified with biometric data and managed by a trusted system. You also get support from our team if any issue arises during the process.

What Equipment Is Needed to Support AePS?

You need a smartphone, an internet connection, and a fingerprint scanner. Finkeda provides the AePS software platform and training. The setup is easy, cost-effective, and ideal for small retail spaces. With just basic equipment, you can start offering banking services right from your shop.

How Can I Offer AePS Services as a Finkeda Saathi?

To become a Finkeda Saathi, just register with us. We’ll provide the necessary device and training. Once set up, you can start offering AePS services to your customers and earn commissions. It’s a simple way to grow your income and support your community.

Is Aadhaar Card Mandatory for AePS?

Yes, Aadhaar is required for all AePS services. Moreover, the customer needs to have their bank account linked to their Aadhaar. Fingerprint authentication through Aadhaar ensures that only the rightful owner can access the account. This step makes the process simple and secure without needing an ATM card.

Are There Transaction Limits for AePS?

Yes, daily transaction limits apply and differ with the bank. Generally, you can withdraw up to ₹10,000 per day. The Finkeda Saathi will inform you about the exact limit based on your bank’s rules. These limits are set to ensure both safety and responsible use of services.

How Secure Are AePS Transactions?

AePS is highly secure. Every transaction is done by using biometric verification with the customer’s fingerprint and Aadhaar number. No PIN or card is needed. The system is managed through the National Payments Corporation of India (NPCI) to ensure safety and accuracy. Customers also get a receipt or message as proof of each transaction.

What AePS Transactions Are Available?

Finkeda offers Aadhaar-enabled services like cash withdrawal, balance enquiry, and mini statements. Some banks also support deposits. These basic transactions can be done easily without visiting a bank. Customers just need their Aadhaar number and fingerprint to access services at a Finkeda Saathi store.

Who Can Use AePS Services?

People who have an Aadhaar card that is linked to a bank account can easily use AePS.  This service is quite useful for individuals who live in rural locations and have issues getting to banks.  They can use their Aadhaar and fingerprint to get important financial services at their neighbourhood Finkeda Saathi store.

How Does Finkeda’s AePS Service Work?

A customer visits a Finkeda Saathi with their Aadhaar-linked bank account. With a fingerprint scanner, the Saathi verifies the identity of the customer and completes transactions through a secure platform. There’s no need for cards or PINs. Services like withdrawals, balance checks, and deposits can be done easily, right at the local shop.