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Aadhaar Pay
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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. Finkeda’s Aadhaar payment app makes the entire process smooth and secure.
Serve the Unbanked, Right Where They Are
Help buyers in villages, market zones, or low-connectivity areas complete payments without smartphones. This Aadhaar based payment system 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 Aadhaar payment 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

How Is It Different from AePS?

AePS is used mainly for banking services like cash withdrawal or balance check. Aadhaar Pay is for payments. Customers use their Aadhaar and fingerprint to pay directly from their bank account without a card or PIN. It’s perfect for quick, safe purchases at a local Finkeda merchant’s shop.

Who Can Use Aadhaar Pay?

Anyone with a bank account linked to their Aadhaar number can use Aadhaar Pay. It’s ideal for people who may not have smartphones or debit cards. Just a fingerprint and Aadhaar number are enough to pay securely at any nearby Finkeda merchant store.

How Do I Pay Using Aadhaar Pay?

Visit a Finkeda store, give your Aadhaar number, and place your finger on the biometric scanner. The amount gets debited directly from your bank account. No card or phone needed. You get an instant receipt or message, and the merchant receives payment immediately.

How Can I Start Offering Aadhaar Pay?

To offer Aadhaar Pay, register with Finkeda as a merchant. We’ll provide you with a biometric device and complete training. Once set up, you can start accepting Aadhaar-based payments from customers and earn commissions on every transaction right from your store.

Is My Setup Secure and Compliant?

Yes, Finkeda follows strict security and regulatory standards. Aadhaar Pay uses biometric authentication and encrypted systems to ensure every transaction is safe. You’ll be using certified devices, and we provide ongoing support to keep your setup compliant and running smoothly.

What Equipment Do I Need?

You only need a smartphone, an internet connection, and a fingerprint scanner. Finkeda provides the Aadhaar Pay application and biometric device. It’s an affordable setup, easy to install, and works well in even small retail spaces in rural and remote areas.

What Is the Reach of Finkeda’s Aadhaar Services?

Finkeda’s Aadhaar services are available across India, including rural, remote, and Tier 2 and 3 cities. Our network of merchants brings banking and payment services to people who don’t have access to digital tools, helping bridge the financial gap in underserved areas.

How Does Aadhaar Pay Support Financial Inclusion?

Aadhaar Pay helps people who don’t use cards, smartphones, or apps. With just an Aadhaar number and fingerprint, they can make payments easily. This makes digital transactions accessible for the elderly, low-income workers, and rural families, bringing them into the formal financial system.

What Are the Benefits of Aadhaar Pay Over UPI or Card Payments?

Unlike UPI or card payments, Aadhaar Pay doesn’t need a smartphone, PIN, or internet access for customers. Payments are made using just Aadhaar and fingerprint. This reduces fraud, lowers transaction costs, and is more convenient for people in areas with low digital literacy.

How Does Aadhaar Pay Contribute to Digital India?

Aadhaar Pay brings safe, cashless transactions to the last mile. It supports the vision of a digitally empowered India by giving everyone, even without phones or cards, the ability to pay and receive money. This helps build a more connected, inclusive economy from the ground up.