AEPS Registration in India: Complete Step-by-Step Guide 2025

In today’s fast-growing digital economy, AEPS (Aadhaar Enabled Payment System) registration in India has become essential for businesses, banks, fintech startups, and retailers who want to provide instant banking services. AEPS allows users to perform cash withdrawals, balance enquiries, mini statements, and fund transfers directly through Aadhaar authentication, making banking more accessible and secure for everyone, especially in rural areas.

To register for an AEPS (Aadhaar Enabled Payment System), you must choose an AEPS service provider like Aeps india fill out their online registration form, and complete KYC verification by submitting documents like your Aadhaar, PAN, and bank details. You’ll also need a functional mobile number, a bank account linked to your Aadhaar, a computer or smartphone, and a compatible biometric device for transactions. 

For businesses and entrepreneurs, completing the AEPS registration process ensures they can become authorized AEPS agents or service providers, enabling them to expand their financial services offerings and earn commissions on transactions. Aeps India simplifies this process by providing guidance, support, and secure solutions for AEPS portal integration, helping businesses leverage the benefits of digital banking without hassle.

In this guide, we will walk you through the complete step-by-step AEPS registration process in 2025, from eligibility criteria to required documents, and share tips on how to get started with secure AEPS services efficiently. By the end of this article, you will understand how to register for AEPS integrate it into your business operations, and provide seamless banking solutions to your customers.

What is AEPS Registration

To register for AEPS, you must choose an Aeps india, complete their online registration form, and submit your documents for KYC verification, including your Aadhaar and PAN cards. You will also need a bank account linked to your Aadhaar, a registered mobile number, a smartphone or computer, and a biometric (fingerprint) device. Once your registration is approved and your account is activated, you can begin offering services like cash withdrawals and balance inquiries. 

Who Can Register for AEPS

Individuals and agents, retailers can register for AEPS (Aadhaar Enabled Payment System) if they are at least 18 years old, have a valid Aadhaar and PAN card, a bank account linked to their Aadhaar, and a mobile number linked to their Aadhaar. Retailers also need to partner with a Aeps india, complete the registration and e-KYC process, and often acquire a biometric device to assist customers with banking services like cash withdrawals and balance inquiries. 

For end-users (customers)

• No registration is required. Any resident of India with an Aadhaar number that is linked to a bank account can use AEPS for basic banking transactions. 
• Requirements:
  • A valid Aadhaar number. 
  • A bank account that is linked to your Aadhaar number. 
  • A functional bank account with a participating bank in the AEPS network. 

For agents (retailers)

• Age: Must be 18 years or older. 
• Identification: Must possess a valid Aadhaar card and PAN card. 
• Bank Account: Must have an open and functioning bank account. 
• Mobile Number: A valid mobile number must be linked to your Aadhaar number. 
• Technical: A basic familiarity with online banking and transactions is necessary. A biometric device is usually required for authentication. 
• Process: You will need to register with a Aeps india that provides AEPS services.
  • Complete the online registration and e-KYC process with the service provider. 
  • Submit the required documents (Aadhaar, PAN, bank details). 
  • Acquire a biometric device, if required. 

AEPS Services You Can Use

You can use AEPS for several banking services, including cash withdrawal, cash deposit, balance inquiries, and mini statements. You can also perform Aadhaar-to-Aadhaar fund transfers, use BHIM Aadhaar Pay, and complete eKYC and other authentication processes. These services allow for basic banking transactions using your Aadhaar number and biometric authentication, often at micro ATM or through banking correspondents.  

Core services

• Cash Withdrawal: Withdraw cash directly from your linked bank account.
• Cash Deposit: Deposit cash into an Aadhaar-linked bank account.
• Balance Enquiry: Check your bank account balance.
• Mini Statement: Get a mini statement of your account. 

Fund transfers

• Aadhaar-to-Aadhaar Fund Transfer: Transfer money from one Aadhaar-linked account to another. 
• Payment Transactions: Conduct C2B (Customer-to-Business) and C2G (Customer-to-Government) transactions. 

Other services

• BHIM Aadhaar Pay: A specific service for making payments to merchants using your Aadhaar number and biometric authentication. 
• Authentication: Use AEPS for various authentication purposes, such as eKYC, Best Finger Detection, and Demo Authentication. 
• Aadhaar Seeding Status: Check the status of your Aadhaar with your bank account. 

How to Use AEPS After Registration

To use AEPS after registration, visit a banking correspondent or micro ATM provide your Aadhaar number, select your bank, choose the transaction type (like withdrawal or balance inquiry), and use your fingerprint for biometric authentication to complete the process. 

Steps to use AEPS

1. Go to a service point: Find a banking correspondent (like at a local shop or post office) or a micro ATM that offers AEPS services. 
2. Provide your Aadhaar number: Tell the agent or enter your 12-digit Aadhaar number on the machine. 
3. Select your bank: Choose your bank’s name from the list on the screen. 
4. Choose your transaction: Select the service you need, such as cash withdrawal, cash deposit, balance inquiry, or a mini-statement. 
5. Perform biometric authentication: Place your finger on the biometric scanner for fingerprint verification. This confirms your identity and authorizes the transaction. 
6. Complete the transaction: Enter the transaction amount if needed and follow the prompts to finish. You will receive a receipt or confirmation message. 

Eligibility Criteria for AEPS Registration

To be eligible for AEPS (Aadhaar Enabled Payment System) registration, you must be at least 18 years old, possess a valid Aadhaar and PAN card, have an active bank account linked to your Aadhaar, and have a functional mobile number linked to your Aadhaar. While customer eligibility is simple, an agent registration requires a few more prerequisites. 

For customers using AEPS

• Bank Account: An active bank account. 
• Aadhaar Linkage: Your Aadhaar number must be linked to your bank account. 
• Mobile Number: A mobile number linked to your Aadhaar is needed for notifications. 

For agents registering for AEPS

• Age: Be 18 years or older. 
• Identification: A valid Aadhaar card and PAN card. 
• Bank Account: An active bank account. 
• Mobile Number: A functional mobile number linked to your Aadhaar. 
• Skills: Basic familiarity with online banking and transactions is necessary. 
• Hardware: You may need to acquire a biometric device (like a fingerprint scanner) for authentication. 
• Documents: You will also need to provide personal and business details, along with supporting documents like proof of address and passport-sized photographs. 

Documents Require for AEPS Registration

For AEPS registration, you need your Aadhaar card (linked to your bank account), PAN card, bank account details (including the IFSC code), a passport-sized photograph, and a working mobile number and email address. A compatible biometric device is also necessary to complete the process.  

Essential documents

• Aadhaar Card: For identity verification and biometric authentication. 
• PAN Card: For tax compliance and identity verification. 
• Bank Account Details: Your bank account number and the bank’s IFSC code. Your bank account must be linked to your Aadhaar card. 
• Passport-sized photograph: For the application and identification. 
• Mobile number and email address: Must be active and working for communication and OTP verification. 

Hardware and other requirements

• Biometric Device: A UIDAI-certified fingerprint scanner is required for biometric authentication. 
• Age: You must be at least 18 years old to register as an AEPS agent. 
• Internet connection: A reliable internet connection is needed for the registration process and transactions. 
• Address Proof (sometimes required): Documents like a Voter ID or Driving License might be requested as proof of address. 

Why You Need AEPS Registration

You need AEPS registration to access financial services like cash withdrawal, deposit, balance inquiry, and fund transfers using your Aadhaar number and biometrics. For consumers, it offers convenient and secure access to banking, especially in rural areas where bank branches are scarce. For agents or businesses, registration is necessary to become a micro-ATM or banking correspondent, which provides a low-investment opportunity to earn commissions by offering these services to a wider customer base.  

For consumers

• Convenience: Perform basic banking transactions without a debit card or visiting a bank branch. 
• Accessibility: Access financial services in remote or rural areas where traditional banking infrastructure is limited. 
• Security: Transactions are secured with biometric authentication (like fingerprint). 
• Direct payments: Allows for the direct disbursement of government benefits and subsidies into bank accounts. 
• Financial inclusion: Promotes financial inclusion for people who may have difficulty with traditional banking methods, such as those with low literacy. 

For agents or businesses

• Business opportunity: Low-investment opportunity to earn commissions by providing essential financial services.
• Expanded customer base: Attract new customers and increase your business’s reach.
• Efficient operations: Conduct transactions quickly and efficiently, with a minimal setup of a smartphone/computer and a biometric device. 

How to Use AEPS Registration for Businesses

To use AEPS registration for your business, you must first choose an Aeps india and register as an agent by completing the online form, undergoing KYC verification, and registering a biometric device. Once your registration is approved and your setup is complete, you can start offering services like cash withdrawal and balance inquiry to customers and earn commissions. 

Step-by-step guide

1. Sign up with a provider: Visit the Aeps india website.
2. Fill out the registration form: Provide your personal and business details, including your name, email, mobile number, and address. 
3. Complete KYC verification: Submit required documents like your Aadhaar card and PAN card for identity verification.Aeps india may also require a physical or video KYC. 
4. Register the biometric device: Register your fingerprint scanner with Aeps india to authorize transactions. The device must be compatible with the AEPS software. 
5. Install the AEPS software: Download and install the software or Aeps application provided by Aeps india on your computer or smartphone. 
6. Get your agent ID: Once your registration is approved and verified, you will receive an agent ID and login credentials to access the AEPS portal. 
7. Start offering services: Log in to the portal and begin providing services like cash withdrawal, balance inquiry, and mini-statement generation by authenticating with the customer’s biometric data. 

Benefits AEPS Registration

AEPS registration provides benefits such as financial inclusion for remote areas, convenient and simplified access to banking services using only Aadhaar and biometrics, and enhanced security through fingerprint authentication. Users can perform transactions like cash withdrawals, balance inquiries, and mini-statements without needing debit cards or PINs. 

Benefits for users

• Financial Inclusion: AEPS brings banking services to people in remote and underserved areas where traditional bank branches are scarce. 
• Ease of Use: Transactions are simple and can be completed with just an Aadhaar number and a biometric scan, eliminating the need for cards, PINs, or remembering bank account details. 
• Security: Biometric authentication provides a high level of security and reduces the risk of fraud and data loss. 
• Convenience: Users can perform basic banking transactions like cash withdrawals, deposits, balance inquiries, and mini-statements at their nearest AEPS-enabled micro-ATM, instead of visiting a physical bank branch. 
• Government Benefits: It facilitates the direct disbursement of government benefits like pensions and subsidies directly to beneficiaries. 

Benefits for agents and businesses

• Increased Customer Base: Businesses can attract more customers by offering AEPS services at their location. 
• Earning Potential: Agents can earn commissions on every AEPS transaction. 
• Low Investment: Setting up an AEPS service requires minimal investment, typically just a smartphone/computer and a biometric device. 
• Operational Efficiency: It allows businesses to efficiently manage cash flow by providing collection and disbursement services. 

Features AEPS Registration

AEPS (Aadhaar Enabled Payment System) registration provides access to various banking services through biometric authentication, such as cash withdrawal, deposit, balance inquiry, and mini statements. Key features include its use of only the Aadhaar number and biometrics (fingerprint or iris scan) for secure transactions, interoperability across banks, and the facilitation of financial inclusion, especially in remote areas. 

Key features of AEPS transactions

• Biometric authentication: Uses fingerprints or iris scans for secure and easy access, eliminating the need for cards or PINs. 
• Basic banking services: Allows for cash withdrawal, cash deposit, balance inquiry, and mini-statements. 
• Fund transfers: Facilitates Aadhaar-to-Aadhaar fund transfers. 
• Interoperability: Enables transactions across different banks that are linked to Aadhaar. 
• Simplicity: Transactions are easy to perform with basic knowledge of online banking. 

Features for agents and businesses

• Secure and reliable: Offers a secure and reliable platform for transactions. 
• Instant settlements: Provides real-time transaction settlements. 
• Attractive commissions: AEPS service providers like Aeps India receive a commission for each transaction. 
• Effortless money management: Simplifies cash management for businesses through end-to-end collection and disbursement services. 

Steps AEPS Registration Process

To register for AEPS, choose a Aeps service provider like Aeps India, fill out their online application with your details, undergo KYC verification using documents like your Aadhaar and PAN, register a compatible biometric device, and then receive your login credentials to start offering services. 

Step 1: Choose a service provider

• Select a trusted and registered Aeps India. 

Step 2: Complete the application form

• Visit the Aeps India website or app and fill out the online registration form with your personal, business, and bank account details. 
• You may need to pay a registration fee, Aeps India provide such as the Rs. 350 fee. 

Step 3: Undergo KYC verification

• Submit necessary documents for Know Your Customer (KYC) verification. This typically includes your Aadhaar card, PAN card, and a passport-sized photo. 
• Ensure your Aadhaar card is linked to a valid mobile number and bank account, as this is required for the verification process. 

Step 4: Register a biometric device

• Obtain a compliant biometric device (fingerprint scanner).
• Connect the device and register it with the service provider as per their instructions. 

Step 5: Receive login credentials

• Once your application, documents, and biometric device have been verified, you will receive your unique agent ID and login credentials. 

Step 6: Start offering services

• Use your login details to access the best AEPS portal and begin providing services to customers, such as cash withdrawals and balance inquiries. 

Cost of AEPS Registration in India

The cost for AEPS registration varies, with Aeps India offering free registration, while others charge a one-time fee ranging from approximately ₹499 to over ₹10,000. Costs can also include charges for Aadhaar Enabled Payment System software, hardware (like a fingerprint terminal), or an Aeps API, which may require additional investment. 

Factors influencing the cost

• Provider: Aeps India have provide different pricing structures. Some may offer a “free” registration to attract business, while others charge a registration fee. 
• What is included: The cost can vary based on whether the price includes just the registration, or also a device (like a fingerprint terminal), software, or API access. 
• Software and services: The cost of setting up the software, getting an Aeps admin panel, or using an API will be different from the basic registration fee. 
• Hardware: If you need a dedicated device for transactions, like an Aadhaar Enabled Fingerprint Terminal, this will be an additional cost, potentially around ₹20,000 or more. 
• API: If you are building a service that uses an best AEPS API, you will have to pay for the API access, which can range from around ₹10,000 to ₹15,000 or more. 

Examples of costs

• Low-cost registration: You can find registration packages starting at around ₹499, especially if a device is included, Aeps India. 
• Free registration: Aeps India, offer free registration for agents. 
• Software/Admin panel: The cost for best AEPS admin panel software or a complete Aeps software service can be substantial, ranging from ₹30,000 to ₹36,000 or more per year. 
• API: If you need an secure Aeps API for your own business, expect to pay in the range of ₹10,000 to ₹15,000 or more. 

To find the best price, it’s recommended to visit Aeps India website and understand what is included in their package before registering.

Security and Compliance AEPS Registration Guidelines

To comply with AEPS (Aadhaar Enabled Payment System) registration, agents must be at least 18 years old and have a valid Aadhaar and PAN card. They need a bank account linked to their Aadhaar, a functional mobile number, an established shop or office, and a UIDAI-certified biometric device. Secure registration requires a Aeps india, submitting documents for KYC, and using the provided software and hardware securely.  

Eligibility and personal requirements

• Age: Must be 18 years or older. 
• Documentation:
  • Aadhaar card (linked to your bank account and mobile number). 
  • PAN card. 
  • Bank account proof (e.g., cancelled cheque). 
  • Address proof (e.g., Voter ID, Driving License, or utility bills). 
  • Passport-sized photographs. 
• Connectivity: A functional mobile number linked to Aadhaar is mandatory. 
• Banking: An active bank account is required for receiving commissions. 

Technical and operational requirements

• Location: A physical shop or office space is generally required. 
• Hardware:
  • Internet-enabled device (computer, laptop, or smartphone). 
  • UIDAI-certified biometric device (fingerprint or iris scanner). 
• Software:
  • A reputable Aeps India or software is necessary to begin the process. 
  • The Aeps India will provide the application or top Aeps portal for registration and transactions. 

Registration and security process

1. Select a service provider: Choose a Aeps india. 
2. Complete the application: Fill out the registration form with your details. 
3. Submit documents for KYC: Provide your Aadhaar, PAN card, bank details, and other required documents for verification. 
4. Register hardware: Register your biometric device with the Aeps india. 
5. Secure transactions:
   • Always ensure the platform and your device are secure. 
   • Protect customer financial information. 
   • Provide printed receipts for every transaction. 

Choosing the Right AEPS Service Provider

To choose the best AEPS service provider, prioritize regulatory compliance (NPCI/RBI certification), reliability (high uptime and transaction success rates), and security. Evaluate Aeps India on features like user-friendliness, support for multiple banks, a transparent commission structure, scalability, and customer support quality. 

Key factors to consider

Regulatory Compliance and Security:

• Ensure the Aeps India is certified by the National Payments Corporation of India (NPCI) and complies with Reserve Bank of India (RBI) guidelines. 
• Look for strong security measures like encryption and robust data protection to safeguard user data. 

Reliability and Performance:

• Check for a proven track record of high transaction success rates (e.g., 98%+) and minimal downtime. 
• Reliable performance is crucial for customer trust and a smooth experience. 

Cost and Commission:

• Scrutinize the commission structure to ensure it’s transparent and competitive. 
• Understand all costs, including licensing fees and transaction charges. 

User-Friendliness and Integration:

• The Aeps platform should have an intuitive, easy-to-use interface for both you and your customers. 
• Ensure the Aeps India offers seamless integration with your existing systems. 

Support and Additional Services:

• Look for responsive, reliable customer and technical support, preferably available 24/7. 
• Check if they offer additional services like bill payments or mobile recharges. 

Provider Reputation and Network:

• Aeps India reputation by reading customer reviews and testimonials. 
• Verify the Aeps India has a wide network of agents and supports a large number of banks for greater customer flexibility. 

How to make your final decision

1. Define your needs: Determine the expected transaction volume and other specific requirements for your business.
2. Shortlist providers: Based on your needs, identify a few reputable providers through online research and referrals.
3. Compare features and costs: Create a comparison chart of key features, user charges, and commissions.
4. Test the platform: Use any available demos or trial periods to test the platform’s interface, speed, and reliability firsthand.
5. Evaluate support: Contact Aeps India customer support with a pre-sales question to gauge their responsiveness and helpfulness. 

How Aeps india Helps with AEPS Registration

Aeps India An AEPS provider acts as an intermediary that enables merchants and small business owners to register as agents and offer Aadhaar Enabled Payment System services. By partnering with a Aeps India, retailers can receive the necessary technology, support, and authorization to conduct secure, Aadhaar-based banking transactions for their customers. 

How Aeps india help with AEPS registration

• Simplified onboarding process: Aeps india offer a user-friendly and often digital registration process through their website or mobile app. This streamlines the process, which can otherwise involve extensive paperwork when dealing directly with banks.
• Equipment and software: A Aeps india supply AEPS software or supply Aeps API needed to perform transactions and assists with acquiring and setting up a compatible biometric device, such as a fingerprint scanner.
• Document and KYC verification: Aeps india manage the Know Your Customer (KYC) process, collecting and verifying an agent’s Aadhaar and PAN cards to ensure compliance with regulations set by the National Payments Corporation of India (NPCI).
• Activation and training: After the KYC and device registration are complete, the Aeps india activates the agent’s account. Aeps india also offer training and guidance on how to use the AEPS platform and other value-added services.
• Technical and customer support: Registered agents receive ongoing technical support for troubleshooting issues and ensuring minimal service disruption. Aeps india offer 24/7 support channels, such as live chat or phone. 

The registration process via a Aeps india

1. Choose a provider: Aeps india that is authorized by the NPCI. Consider factors like their commission structure, customer support, and the range of services offered.
2. Register as an agent: Visit the Aeps india website or app and fill out the online registration form with your personal and business details.
3. Complete KYC: Upload scanned copies of mandatory documents, including your Aadhaar and PAN cards. Some providers require video or physical verification.
4. Register your device: Connect your biometric fingerprint scanner to your computer or smartphone and register it within the Aeps India platform.
5. Get credentials: Once your application is approved, the Aeps india will issue a unique agent ID and login credentials, giving you access to the Aadhaar Enabled Payment System portal.
6. Begin offering services: Log in and start providing basic banking services to customers, such as cash withdrawals, balance inquiries, and mini-statements. 

Why Choose Aeps india for AEPS Registration

Choosing a suitable AEPS registration provider is important for offering banking services using Aadhaar and biometric authentication. The right provider helps ensure security, optimize earnings, and deliver reliable service, particularly in rural areas. 

Key reasons to carefully select an AEPS provider include:

Business and revenue growth

• AEPS agents can earn commissions on transactions, creating new income streams.
• Offering banking services can increase customer traffic, potentially boosting sales of other products.
• AEPS allows you to serve customers in areas with limited access to traditional banking, expanding your reach.
• Aeps India offer bundled services like bill payments and money transfers, increasing earning potential.
• Starting an AEPS business typically requires minimal investment. 

Reliability and performance

• A Aeps India ensures high transaction success rates and quick processing.
• Fast settlement times are important for managing cash flow efficiently.
• Good customer support is necessary to quickly resolve issues. 

Security and compliance

• A Aeps India will be certified by the NPCI and follow RBI guidelines.
• The Aeps India should use strong security measures to protect customer data, with biometric data handled securely by UIDAI. 

User experience and features

• A user friendly Aeps platform is beneficial for both agents and customers.
• The Aadhaar Enabled Payment System platform should support a wide range of banks.
• Aeps india may offer additional features like reporting and analytics.
• Aeps india offer white label aeps solutions for businesses. 

Future of AEPS Registration

The future of AEPS registration is marked by enhanced security, mobile-first integration, and expanded service offerings, with a focus on financial inclusion and user convenience. Stricter controls from the RBI, beginning January 1, 2026, will drive these changes, alongside the integration of AI for fraud detection, more comprehensive agent tools, and a greater variety of services beyond basic banking, such as micro-loans and bill payments.  

Enhanced security and compliance

• Stricter regulations: The Reserve Bank of India (RBI) will mandate stricter controls, effective January 1, 2026, which will drive security improvements. 
• Advanced technology: Look for stronger encryption, more robust biometric authentication, and the use of AI and machine learning for real-time fraud detection and risk management. 
• Improved transparency: Emerging technologies like blockchain may be integrated to increase transparency and efficiency. 

Improved accessibility and user experience

• Mobile-first solutions: A greater focus will be placed on mobile-friendly interfaces and dedicated AEPS apps to make services more accessible to both customers and agents.
• Streamlined registration: eKYC and e-verification will likely become more efficient for both agent and end-user registration.
• Simplified transactions: User interfaces will be simplified for easier and more intuitive experiences. 

Expanded services and integration

• Multi-service platforms: AEPS will go beyond basic cash deposits and withdrawals to include more services like bill payments (BBPS), mobile recharges, and insurance payments. 
• Seamless integration: There will be deeper integration with other digital payment systems like UPI and digital wallets, creating a more connected financial ecosystem. 
• New financial products: AEPS platforms will expand to include services like micro-loans to better serve the needs of rural and underserved populations. 

For agents and businesses

• New revenue streams: Businesses can generate additional income by becoming AEPS agents. 
• Enhanced customer reach: Aeps India can serve a wider customer base, including those with limited access to traditional banking. 
• More comprehensive tools: Expect more advanced admin panels and agent management tools to support growth. 

What this means for users

• More convenience: Access to a wider range of financial services through a single, accessible platform. 
• Increased security: Stronger security measures to protect transactions and personal data. 
• Greater financial inclusion: The continued expansion of AEPS in rural areas will bring more people into the formal banking system. 

Conclusion

In 2025, AEPS registration in India has become the easiest way for retailers, CSPs, and entrepreneurs to start offering banking services like cash withdrawal, balance inquiry, and mini statements through Aadhaar authentication. The process is quick, secure, and requires minimal documentation, making it ideal for those who want to enter the digital banking and fintech business sector.

AEPS Registration refers to the process of becoming an agent to provide Aadhaar Enabled Payment System services. This system allows bank customers to conduct basic banking transactions like cash withdrawal, deposit, balance inquiry, and fund transfers using their Aadhaar number and biometric authentication at a micro-ATM.  

By completing your AEPS registration with a trusted provider like Aeps India, you can easily connect to major banks, start earning commissions on every transaction, and help customers in both urban and rural areas access essential financial services.

AEPS is not just a service it’s a gateway to financial inclusion and a great opportunity to grow your business. With the right AEPS software and support from Aeps India, you can offer seamless Aadhaar-enabled banking, build customer trust, and contribute to India’s digital payment revolution.

Start your AEPS journey today and empower your business with a secure, fast, and reliable AEPS solution designed for success in 2025.

FAQs on AEPS Registration in India