Best AEPS App for Cash Withdrawal and Balance Inquiry

The best AEPS app for cash withdrawal and balance inquiry allows businesses and agents to provide fast, secure, and convenient banking services to their customers using Aadhaar-based authentication. With this app, users can withdraw cash, check account balances, and access mini statements directly through their smartphones, eliminating the need to visit a bank branch or ATM.

An AEPS app is a mobile application used by banking agents (retailers) to provide basic, secure financial services to customers using their Aadhaar number and biometric authentication (fingerprint or iris scan). This system, developed by the National Payments Corporation of India (NPCI), aims to promote financial inclusion in remote and underserved areas of India. 

AEPS (Aadhaar Enabled Payment System) apps like Aeps india allow retailers and agents to offer cash withdrawal, balance inquiry, and other banking services using Aadhaar and biometrics, enabling cardless banking for customers in underserved areas, with transactions secure through NPCI. These apps function as digital banking points, empowering agents to facilitate basic banking needs for their community. 

The demand for Aadhaar Enabled Payment System (AEPS) services is rapidly growing, especially in rural and semi-urban areas. Retailers and CSPs require a reliable AEPS app that ensures real-time transactions, high success rates, and secure biometric verification. A trusted AEPS app not only improves customer satisfaction but also helps agents earn consistent income through every transaction.

For retailers, the best AEPS app in India helps earn commission on every transaction while providing trusted banking services to customers. With features like high transaction success rates, real-time processing, secure AEPS transactions, and 24/7 availability, AEPS India ensures a smooth experience for businesses and users alike. This Aeps app is the perfect solution for anyone looking to offer or access fast AEPS banking services, including cash withdrawal and balance inquiry, anywhere in India.

AEPS India offers a top-rated AEPS app designed for ease of use, security, and high-speed transactions. Retailers and agents can manage multiple bank accounts, complete transactions instantly, and earn commissions on every service. With NPCI-compliant features and real-time updates, this Aeps app ensures reliable banking services for your customers while boosting your business.

If you are looking for a trusted AEPS solution for cash withdrawal and balance inquiry, AEPS India provides a secure, scalable, and user-friendly platform that meets all your business and customer needs.

This blog will explore why selecting the best AEPS app in India is crucial, how it benefits businesses, and why partnering with a Aeps india ensures secure, seamless, and efficient digital banking services.

What Is an AEPS App

The AEPS App refers to mobile applications that allow merchants and banking agents to provide basic, secure banking services to customers using their Aadhaar number and biometric authentication (fingerprint/iris scan). These services are part of the Aadhaar Enabled Payment System (AePS), a bank-led model developed by the National Payments Corporation of India (NPCI) to promote financial inclusion. 

AEPS App Work

The Aadhaar Enabled Payment System app is a digital platform used by banking agents/correspondents (BCs) to provide basic banking services in generally underserved areas. It allows customers to perform transactions using their Aadhaar number and biometric authentication (fingerprint/iris scan), eliminating the need for physical cards, PINs, or smartphones. 

How the AEPS App Works

The process involves cooperation between the customer, a local banking agent, the banking network (NPCI), and the Aadhaar authority (UIDAI). 

1. Visit a Service Point: The customer visits a local shop or kiosk where a banking correspondent is equipped with an AEPS enabled device (micro-ATM or smartphone with a certified biometric scanner).
2. Provide Details: The customer provides their 12-digit Aadhaar number and specifies the name of their bank.
3. Select Transaction: The agent selects the desired transaction type on their app (e.g., cash withdrawal, balance inquiry, mini statement, or fund transfer).
4. Biometric Authentication: The customer places their finger or performs an iris scan on the biometric device. This data is securely captured and sent to the Unique Identification Authority of India (UIDAI) for real-time verification against their database.
5. Transaction Processing: Upon successful biometric match, the transaction request is processed by the National Payments Corporation of India (NPCI) and the customer’s bank. The linked bank account is debited or credited accordingly.
6. Confirmation: The transaction is completed instantly, and the customer receives a confirmation receipt (printed or via SMS). 

Read Blog: AePS Service in India: Complete Guide for Businesses

Top Use Cases of AEPS App

The AEPS (Aadhaar Enabled Payment System) app is a digital platform used by agents and retailers to offer fundamental banking services to customers, especially in rural and underserved areas, using their Aadhaar number and biometric authentication. Key use cases include: 

• Cash Withdrawals: A primary function allowing cash withdrawals from Aadhaar-linked accounts at local shops or micro ATM.
• Balance Inquiries: Instant checking of bank account balances with an Aadhaar number and biometric scan.
• Mini Statements: Generation of a summary of recent transactions.
• Cash Deposits: Depositing cash into Aadhaar-linked accounts at select AEPS locations.
• Fund Transfers: Secure transfers between Aadhaar-linked bank accounts, facilitating domestic remittances.
• Direct Benefit Transfer (DBT) Disbursement: A channel for the delivery of government subsidies, pensions, and welfare payments directly into beneficiaries’ accounts.
• Micro-Merchant Payments (BHIM Aadhaar Pay): Allows small merchants to accept cashless payments using a customer’s Aadhaar number and biometric data.
• eKYC (Electronic Know Your Customer): Provides a paperless, real-time method for verifying customer identity using Aadhaar-based biometric authentication. 

These services enable AEPS apps to turn local retail outlets into “mini-banks,” promoting financial inclusion and offering agents a reliable income through transaction commissions. 

Who Can Use the AEPS App

Anyone in India with an Aadhaar number linked to an active bank account can use the AEPS (Aadhaar Enabled Payment System) services through a micro ATM service or bank agent, requiring only their Aadhaar number and biometric data (fingerprint/iris) for basic banking like cash withdrawal, deposit, and balance inquiry, with no smartphone or card needed. 

Who can use AEPS?

• Indian Citizens: Any resident of India.
• Aadhaar Card Holders: Must possess a valid Aadhaar number.
• Bank Account Linked to Aadhaar: Their bank account must be linked with their Aadhaar number. 

What’s needed for transactions?

• Aadhaar Number: Your 12-digit Aadhaar number.
• Biometric Data: Fingerprint or iris scan for authentication.
• Bank Name: The name of the bank where your account is held. 

Where to use AEPS:

• Micro-ATMs/BC Points: Visit authorized Aeps india.
• India Post Payments Bank (IPPB): Use IPPB terminals or access points. 

What you can do with AEPS:

• Cash Withdrawal
• Cash Deposit
• Balance Enquiry
• Mini Statement
• Aadhaar to Aadhaar Fund Transfer 

Why Use Aeps App

Using an AEPS (Aadhaar Enabled Payment System) app brings banking to remote areas through biometric authentication, enabling cash withdrawals, deposits, balance checks, and fund transfers without cards or PINs, promoting financial inclusion, especially for rural populations, by offering secure, convenient, and low-cost access to essential financial services via local agents. 

Key Benefits of Using AEPS:

• Financial Inclusion: Bridges the gap by bringing banking services to villages and remote areas lacking physical bank branches or ATMs, empowering the unbanked.
• Convenience: Perform banking tasks like cash withdrawals, deposits, balance inquiries, and fund transfers at local micro ATM or banking correspondents, avoiding long travel to banks.
• Enhanced Security: Uses Aadhaar-based biometric verification (fingerprint/iris scan) for secure transactions, eliminating the risk of forgotten PINs or lost cards.
• No Cards/PINs Needed: Transactions rely solely on your Aadhaar number and biometrics, making banking accessible even for those who are illiterate or lack cards.
• Versatile Services: Offers a range of services, including cash withdrawal, cash deposit, balance inquiry, fund transfers, and mini statements.
• Government Benefit Delivery: Facilitates direct benefit transfers (DBT) for schemes like pensions and subsidies directly into Aadhaar-linked accounts.
• Cost-Effective: Reduces transaction costs for both banks and customers, making financial services more affordable. 

Read Blog: Best AEPS Service Provider Company in India: Complete Guide

AEPS App Required Documents

To use an AEPS app (as a customer or agent), you primarily need your Aadhaar Card (linked to a bank account), PAN Card, active Bank Account Details, a registered Mobile Number, and a Aeps Biometric Device (for agents/retailers), plus a recent Passport-Sized Photo for registration. Customers need their Aadhaar number and biometrics for transactions, while agents require more documents for setup. 

For AEPS Agents/Retailers (Setup)

These documents are for setting up an AEPS business or becoming an agent: 

• Aadhaar Card: Must have a linked mobile number.
• PAN Card: For identity and tax compliance.
• Bank Account Proof: Cancelled cheque, passbook first page, or bank statement.
• Passport-Sized Photograph: Recent photo for profile.
• Mobile Number: Linked to Aadhaar and active for OTPs.
• Email Address: A working email.
• Biometric Device: UIDAI-certified fingerprint scanner.
• Shop/Business Proof (Optional): For location verification (like electricity bill/rent agreement). 

For AEPS Customers (Transactions)

Customers don’t need to carry physical documents for every transaction: 

• Aadhaar Number: To initiate the service.
• Aadhaar-Linked Bank Account: Must be linked for transactions.
• Biometric Authentication: Fingerprint or iris scan at the agent’s micro-ATM. 

Read Blog: AEPS Services for Business Growth: A Step-by-Step Guide

AEPS App Ducumentation

AEPS app documentation involves requirements for agents (Aadhaar, PAN, bank details, biometric device, smartphone) and guidelines for using the app for basic banking like cash withdrawal/deposit, balance inquiry via biometric authentication (fingerprint/iris) for customers, and the process for setup, including Aeps API integration for developers. Documentation covers agent onboarding, KYC, transaction Aeps API security protocols (IP whitelisting), and customer-side requirements (Aadhaar-linked bank account). 

For AEPS Agents/Retailers (Setup & Operation)

• Registration Documents: Aadhaar Card, PAN Card, Bank Account Proof (passbook/cheque), Passport Photo, Aadhaar-linked Mobile Number.
• Registration: Sign up with an AEPS provider like Aeps India, complete KYC (Aadhaar, PAN), submit documents, get approval, and register your biometric device.
• Hardware/Software: Aeps device (fingerprint/iris scanner), Smartphone/Computer, Internet connection, AEPS admin App or Aeps Platform.
• Usage: Use the Aeps india app, enter customer’s Aadhaar/Bank details, select service (Withdrawal, Deposit, Balance Inquiry, Fund Transfer), capture biometrics (fingerprint/iris), and provide receipts.
• Services Offered: Cash withdrawal, deposit, balance inquiry, mini-statement, fund transfer. 
• Security: Keep Aadhaar/biometric details private, use secure connections, verify transactions, and keep apps updated. 

For Customers (Using AEPS)

• Requirements: Aadhaar number linked to bank account, Aadhaar number, fingerprint/iris for authentication, Micro ATM device.
• Process: Provide Aadhaar, authenticate with biometric micro ATM or agent’s device.
• Limits: Transactions typically up to ₹10,000 per transaction (RBI/NPCI limits). 
• Transactions: Biometric scan authenticates the customer for basic banking services. 

For Developers (API Integration)

• Overview: Best AEPS API allow integration of Aadhaar-based transactions into your own Aeps b2b apps/websites, handling authentication and service requests via NPCI.
• Key APIs: Cash-Out (Aadhaar Pay), Fund Transfer, Balance Inquiry, Mini Statement, Cash Deposit.

Integration Steps:

• Get API Keys: Partner with an AEPS Service Provider like Aeps india.
• Register Biometric Device: Device needs RD (Registered Device) service activation via UIDAI portal.
• Install RD Service: Install drivers/apps for your device Mantra on Android/Windows.
• API Call Flow: Send capture request to RD Service, get piddata, send it in your AEPS service API payload to the Aeps india server for transaction processing. 

Key Components & Concepts

• Aadhaar Enabled Bank Account (AEBA): Bank account linked to Aadhaar.
• Business Correspondent (BC)/Agent: Authorized person facilitating services.
• Micro-ATM/Kiosk: Device used for transactions.
• RD Service: Registered Device service required for biometric device communication.
• NPCI: National Payments Corporation of India, the design body. 

Key Documentation & Standards

• UIDAI Guidelines: Mandates for biometric data handling (Section 2.3 for PidData).
• NPCI (National Payments Corporation of India): Sets rules for AEPS, including transaction limits.
• Provider-Specific Docs: Aeps india offers its own Aeps API documentation and Aeps setup guides. 

Balance Inquiry Through AEPS App

You can perform a balance inquiry through an AEPS (Aadhaar Enabled Payment System) app by using your Aadhaar number and biometric data (fingerprint/iris scan) at authorized retail points or via specific AEPS admin apps, allowing you to check your linked bank account balance securely on your smartphone or a micro PoS device, enabling basic banking in remote areas. 

What You Need:

• Aadhaar number: Your 12-digit Aadhaar number.
• Biometric Scanner: A compatible fingerprint or iris scanner (often built into micro PoS devices or smartphones).
• AEPS App: An authorized AEPS software provider app like Aeps india.
• Internet Connection: For real-time transaction processing.
• Linked Bank Account: Your bank account must be linked to your Aadhaar. 

Steps for Balance Inquiry:

1. Open the App: Log in to your chosen Aeps india app.
2. Select Service: Choose the ‘Balance Inquiry’ option from the menu.
3. Enter Details: Input the customer’s Aadhaar number, mobile number, and select their bank.
4. Biometric Scan: Authenticate using the customer’s fingerprint or iris scan on the connected device.
5. View Balance: The Aeps india app will retrieve and display the available balance from the linked bank account. 

Key Benefits:

• Accessibility: Brings banking to rural and underserved areas.
• Security: Uses biometric authentication for secure transactions.
• Convenience: Perform basic banking 24/7 without visiting a bank branch. 

Read Blog: How to Choose the Best AEPS Portal Provider for Your Business

Cash Withdrawal Through AEPS App

Cash withdrawal through an AEPS (Aadhaar Enabled Payment System) app involves using a banking agent’s app like Aeps india or POS machine to withdraw cash from your Aadhaar-linked bank account by providing your Aadhaar number, bank name, and authenticating with your fingerprint or iris scan, eliminating the need for physical cards or PINs. The process turns local retailers into mini-ATMs, offering convenient banking in rural areas, with typical limits around ₹10,000 per transaction. 

How AEPS Cash Withdrawal Works (Customer Steps)

1. Link Aadhaar: Ensure your Aadhaar number is linked to your bank account.
2. Visit Agent: Go to a local AEPS-enabled retailer, micro-ATM, or banking correspondent.
3. Provide Details: Give the agent your Aadhaar number, bank name, and the amount to withdraw.
4. Biometric Authentication: Authenticate the transaction using your fingerprint or iris scan on the device.
5. Receive Cash: Get your cash and a transaction receipt. 

Key Benefits

• No Card/PIN Needed: Uses biometric verification instead of physical cards.
• Financial Inclusion: Brings banking to remote areas without traditional ATMs.
• Convenient: Simple process available 24/7 at various points. 

Important Considerations

• Transaction Limits: The National Payments Corporation of India (NPCI) sets a transaction limit (often ₹10,000), but your bank might have lower limits.
• Agent Apps: Agents use specific Aeps admin software like Aeps india to facilitate these transactions for customers. 

AEPS App for Rural and Semi-Urban Areas

AEPS apps allow retailers in rural and semi-urban areas to become local banking points, offering essential services like cash withdrawals and balance inquiries using a customer’s Aadhaar number and biometric authentication. Popular and reliable AEPS API Software in India include Aeps india.

Key Services Offered

Using an AEPS app, agents can provide various services to customers: 

• Cash Withdrawal: Customers can withdraw cash from their Aadhaar-linked bank accounts.
• Balance Inquiry: Check the available balance instantly.
• Mini Statement: View a summary of recent transactions.
• Aadhaar Pay: A system for making direct merchant payments using Aadhaar and biometrics.
• Fund Transfer: Transfer money between different Aadhaar-linked accounts.
• Cash Deposit: Some apps also facilitate cash deposits into accounts. 

Requirements for Retailers/Agents

To become an AEPS agent and use an Aeps india app, a retailer needs:

• A smartphone or computer with internet connectivity.
• A certified biometric scanner (fingerprint or iris scan device) compatible with the Aeps india app.
• Registration and KYC (Know Your Customer) verification with an Aeps india, which requires documents like an Aadhaar card and PAN card. 

Benefits in Rural & Semi-Urban Areas

Aeps india apps play a vital role in bridging the financial gap for the unbanked population. 

• Income Generation: Local shopkeepers earn a commission on every transaction, creating an additional income stream and increasing customer footfall. 
• Accessibility: Services are available locally, eliminating long travel to distant bank branches.
• Ease of Use: It eliminates the need for physical cards, PINs, or smartphones for the customer, as only their Aadhaar number and biometrics are required.
• Simplicity: Only an Aadhaar number and biometric authentication are needed, removing the need for physical cards, PINs, or smartphones for the customer.
• Security: Transactions are highly secure due to the biometric verification process, reducing fraud risks.
• Government Benefits: It facilitates the seamless and transparent disbursement of government subsidies and pensions directly into beneficiaries’ accounts. 

AEPS App for Retailers and Banking

An AEPS (Aadhaar Enabled Payment System) app for retailers acts as a “mini-ATM,” enabling shop owners to offer essential banking services like cash withdrawal, deposit, and balance checks using just a customer’s Aadhaar number and biometric scan, boosting financial inclusion in India, with popular apps like Aeps india offering platforms for agents to earn commissions and provide Aeps services. 

How it works for Retailers (Agents/BCs)

• Become a Banking Point: Retailers download the AEPS app like Aeps india on their smartphone.
• Biometric Device: They connect a certified fingerprint/iris scanner to their phone.
• Transaction Process: Customers provide their Aadhaar number, bank name, and biometric data (fingerprint/iris).
• Services Offered: Withdrawals, deposits, mini-statements, balance inquiries, and money transfers.
• Benefits: Earn commissions on transactions, expand services (like micro-ATM, bill payments), and become a local financial hub. 

Benefits for Customers & Financial Inclusion

• Convenience: Access banking without cards or PINs, right at their local shop.
• Accessibility: Brings banking to remote and rural areas, empowering the underprivileged.
• Security: Uses Aadhaar-based biometric authentication for secure, PIN-less transactions. 

Read Blog: AEPS Application: Complete Guide for Retailers and Businesses

Benefits Best AEPS App

AEPS (Aadhaar Enabled Payment System) apps offer significant benefits like enhanced financial inclusion, especially in rural areas, by enabling basic banking (cash withdrawal, deposit, balance check, fund transfer) using just your Aadhaar and fingerprint, eliminating the need for cards/PINs, thus boosting security and convenience for unbanked/underbanked populations. They streamline government subsidies, promote a cashless economy, and provide essential services via local agents, making banking accessible and paperless. 

Key Benefits of AEPS Apps:

• Financial Inclusion: Extends basic banking to rural, remote, and unbanked populations, empowering them with access to financial services.
• Ease of Use: Simple transactions using just your Aadhaar number and biometrics (fingerprint/iris), no need for debit cards, PINs, or smartphones.
• High Security: Biometric authentication significantly reduces fraud and misuse, making transactions very secure.
• Accessibility: Services available via local business correspondents (agents) and micro-ATMs, even where physical bank branches are scarce.
• Convenience: Perform essential banking tasks like cash withdrawal, deposit, balance inquiry, and fund transfers anywhere, anytime.
• Direct Benefit Transfers (DBT): Seamlessly receive government subsidies, pensions, and welfare payments directly into Aadhaar-linked accounts.
• Interoperability: Access your bank account at any AEPS-enabled micro-ATM, regardless of your bank.
• Cost-Effective: Reduces dependency on physical infrastructure and paper-based transactions. 

Benefits for Users

• Convenience: Access banking services locally without visiting a bank or ATM.
• No Cards/PINs Needed: Use only your Aadhaar number and fingerprint for verification.
• High Security: Biometric authentication (fingerprint) reduces fraud risk.
• Accessibility: Perform transactions in remote areas with limited bank access.
• Basic Services: Cash withdrawal, deposit, balance inquiry, and mini-statements.
• Direct Benefit Transfer: Receive government subsidies directly and securely. 

Benefits for Retailers/Agents

• Earn Commissions: Earn income on every transaction.
• Attract Customers: Offer essential banking services at your shop.
• Financial Inclusion: Help bring banking to your community. 

Read Blog: AePS Advantages and Disadvantages: Complete Guide

Features AEPS App

AEPS apps provide core banking services like cash withdrawal, deposit, fund transfer, and balance inquiry using just an Aadhaar number and biometrics (fingerprint/iris), enabling financial inclusion in remote areas. Key features include biometric security, interoperability (across banks), real-time processing, and serving as micro-ATMs for underserved populations, often with added services like bill payments and recharges. 

Core Banking Features

• Cash Withdrawal & Deposit: Users can withdraw or deposit cash at micro-ATMs or banking correspondents.
• Fund Transfer: Send money to other Aadhaar-linked accounts (Aadhaar-to-Aadhaar) or to bank accounts.
• Balance Inquiry: Check account balances easily.
• Mini Statements: View recent transaction history. 

Security & Authentication

• Biometric Authentication: Uses fingerprint or iris scans linked to Aadhaar, eliminating PINs and cards.
• Aadhaar-Based: Relies on your Aadhaar number, bank name, and biometrics.
• Fraud Detection: System-level checks for unauthorized access. 

Convenience & Accessibility

• Cardless & PIN-less: No need to carry debit cards or remember complex PINs.
• Interoperability: Works across different banks, allowing access to any Aadhaar-linked account.
• Micro-ATM Services: Transactions at banking correspondent points (kiosks).
• Financial Inclusion: Extends banking to rural and remote areas with limited traditional banking infrastructure. 

For Retailers & Agents (AEPS Apps)

• Micro-ATM Functionality: Agents act as mini bank branches.
• Commissions: Earn income on transactions.
• User-Friendly Interface: Aeps india app for agents to manage services.
• Value-Added Services: Often bundled with mobile recharges, bill payments (BBPS), and travel bookings. 

Merchant & Retailer Features (for Aeps india)

• Aadhaar Pay: Allows customers to pay merchants using biometrics.
• Commission Earning: Retailers earn commissions on transactions.
• User-Friendly Interface: Simple Aeps app design for agents and users.
• Real-Time Settlement: Quick processing of transactions. 

Technical Aspects

• Real-Time Processing: Instant transaction authorization and settlement.
• API Integration: Allows easy integration for businesses. 

Easy Aeps Setup Process

The AEPS setup involves choosing a Aeps india, completing KYC with Aadhaar/PAN/Bank details, getting a UIDAI-certified biometric device (fingerprint/iris scanner), installing their Aeps software or Aeps b2b app, and then registering the device with the Aeps india for activation, allowing you to offer banking services like cash withdrawal and balance inquiry through biometric authentication. 

Here’s a step-by-step process:

1. Prerequisites & Partner Selection

• Eligibility: Be an Indian citizen, 18+, with Aadhaar, PAN, and an active bank account linked to your Aadhaar.
• Choose a Provider: Select a reliable AEPS service provider Aeps india for their AEPS portal or AePS Cash Withdrawal API. 

2. Registration & KYC

• Application: Fill out the Aeps india online/offline registration form.
• Submit Docs: Provide Aadhaar, PAN, address proof, photos, and bank details for Know Your Customer (KYC) verification.
• Verification: The Aeps india and bank conduct checks. 

3. Hardware & Software Setup

• Get Device: Purchase Aeps biometric device UIDAI-approved (fingerprint or iris scanner).
• Install Software: Install the Aeps india AEPS application or b2b Aeps API on your smartphone/computer.
• Register Device: Register your new biometric hardware with the Aeps india via their Aeps admin portal or b2b Aeps app. 

4. Activation & Training

• Account Activation: Once KYC and device registration are complete, your AEPS account gets activated.
• Training: Receive training on transactions, device use, and commission. 

5. Start Transactions 

• Login & Serve: Log in to the Aeps india app, select service, input customer’s Aadhaar/bank, and authenticate with biometrics (fingerprint/iris).
• Receipts: Provide printed receipts for every transaction.

Read Blog: How to Choose the Best AEPS B2B Software Provider for Your Business

Aeps Api Integration Process for Aeps APP

AEPS API integration for a mobile app involves partnering with a certified Aeps india and following a structured process that covers business registration, technical development, testing, and deployment. You cannot connect directly to the NPCI (National Payments Corporation of India) network; you must use an authorized AEPS API provider like Aeps india. 

AEPS API Integration Process Steps

The process can be broken down into the following key stages:

Step 1: Partner with a Certified AEPS API Provider

• Select a Aeps india that is certified by the NPCI and compliant with RBI and UIDAI guidelines.
• Look for Aeps india that offer robust technical support, comprehensive documentation, high reliability, and a clear Aeps commission structure.

Step 2: Business Registration & KYC Completion

• Register your business with the chosen Aeps india and complete the Know Your Customer (KYC) verification process.
• Submit necessary documents such as:
  • Aadhaar card
  • PAN card
  • Bank account details (cancelled cheque or statement)
  • Proof of business registration (if applicable)

Step 3: Acquire and Register Biometric Devices

• Purchase UIDAI-certified biometric devices (fingerprint or iris scanners) from Aeps india for compatible manufacturers like Mantra.
• Install the manufacturer’s Registered Device (RD) service software on your smartphone or computer and register the device with Aeps india.

Step 4: Obtain API Credentials and Documentation

• Once registration and verification are complete, the Aeps india will issue necessary Aeps API keys, client IDs, access tokens, and detailed technical documentation outlining secure Aeps API endpoints, request/response formats (typically JSON/XML over HTTPS), and security protocols.
• Aeps india also offer SDKs Aeps software Development Kits for simpler integration into Android or web applications.

Step 5: Develop and Test in a Sandbox Environment

• Aeps india for Aeps app development team will use the provided documentation and SDKs to integrate AEPS functionality into your app’s front-end and back-end logic.
• Crucially, you must use the Aeps india sandbox/testing environment to rigorously test all transaction types (cash withdrawal, balance inquiry, mini statement, etc.) with test data to ensure functionality and handle all possible success and failure scenarios.
• Implement secure handling of sensitive data, ensuring encryption of all Aadhaar and biometric information as per UIDAI guidelines.

Step 6: Go Live and Monitor

• After successful testing, request the Aeps india to move your credentials to the live (production) environment.
• Replace sandbox credentials with live production Aeps API key in your application and deploy the app.
• Train your agents/users and continuously monitor transactions, handling reconciliation and customer support. 

Key Technical Aspects for Integration

• Security: All communication must be over secure HTTPS protocols, with data encrypted in transit and at rest.
• Biometric Data Handling: Biometric data is captured, encrypted at the device level, and never stored by your application; it is sent for real-time verification to the UIDAI database via the AEPS network.
• Callback URLs: For server-side integration, you must create secure callback URLs to receive transaction responses and confirmations from the Aeps india server.
• User Consent: Explicit user consent must be obtained before initiating any Aadhaar-related verification, as legally required. 

Read Blog : How AePS API Service Is Transforming Rural Banking in India

AEPS App Commission Structure

AEPS app commission structures vary by Aeps india but generally offer tiered earnings on cash withdrawals (e.g., ₹2-₹15+ per transaction, increasing with amount) and smaller fixed fees for balance inquiries (₹2-₹5) and mini statements (₹3-₹7), with Aeps platforms like Aeps india providing high per-transaction rates (₹13+2) and others offering percentage-based models (e.g., 0.40% with a cap) or additional incentives for fund transfers and new account openings, all aiming to attract retailers with competitive daily payouts and minimal investment. 

Common AEPS Commission Models

Tiered Fixed Rates (Most Common): Aeps Commissions rise with transaction amounts, often seen in apps like Aeps India.

• ₹100-₹999: ~₹2 per transaction.
• ₹1,000-₹1,499: ~₹3 per transaction.
• ₹2,000-₹2,499: ~₹4.50 – ₹5.50 per transaction.
• Higher tiers (e.g., ₹10,000+) can yield ₹10-₹15+ per withdrawal.

Percentage-Based: Aeps admin platforms offer a percentage, such as 0.40% per withdrawal, often with a maximum limit (e.g., ₹25).

Fixed Fee for Other Services:

• Balance Inquiry: ₹2–₹5.
• Mini Statement: ₹3–₹7.
• Aadhaar to Aadhaar Fund Transfers: ₹5–₹10. 

Factors Influencing Earnings

• Transaction Volume: Higher volume directly increases daily earnings.
• Transaction Value: Higher value transactions typically yield more commission.
• Service Type: Beyond withdrawals, balance checks and fund transfers add revenue streams.
• Provider Incentives: Aeps admin platforms offer extra bonuses for performance or specific services (e.g., new account openings). 

Read Blog: Best AEPS Portals in India for Retailers and Startups

AEPS App Cost Provide

An AEPS app cost varies, with retailer registration often free (just KYC), but Aeps b2b platform or Aeps API access has Aeps setup fees (₹5k – ₹1L+), and transaction commissions (₹2-₹15 per service). Key costs involve one-time Aadhaar Enabled Payment System API or Aeps portal fees, ongoing Aeps b2b software subscriptions (₹15k+/month), and biometric devices (~₹20k), with total initial setups ranging from a few thousand rupees to several lakhs, depending on features like white label Aeps. 

Cost Components Explained

Setup/Integration Fees:

• Basic API Integration: ₹5,000 – ₹40,000+.
• White-Label Portals: ₹20,000 – ₹1 Lakh+ for Aeps admin panel with branding.
• Subscription: ₹15,000+/month or annual charges.

Software/Platform Costs:

• One-time fees for Aeps portals (e.g., ₹25k-₹1L) or monthly/annual subscriptions.
• Biometric Devices: Around ₹20,000 for a single device.

Transaction Fees:

• Retailers earn commissions (e.g., ₹2-₹15 per withdrawal).
• May include small charges for balance inquiries (₹1-₹5) and mini statements (₹3-₹7).
• Support: Monthly/annual charges for technical assistance. 

Typical Cost Scenarios

• For a Retailer: Free registration + Device (~₹20k) + Low API Fee (e.g., ₹15k package) + Commissions.
• For Businesses (White-Label): Higher initial investment (₹15k-₹1L+) for full branding, but lower per-transaction commissions for agents.
• API Only: Initial Aeps api setup fees (₹12k-₹35k) plus transaction charges for integrating into existing Aeps india apps. 

Key Factors Influencing Cost

• Features: Basic vs. White Label Aeps app (custom branding).
• Integration Type: Proper AEPS Payment API vs. simpler integration.
• Provider: Aeps India offer different packages.
• Support: Ongoing support often comes with monthly/annual charges. 

Security and Safety in AEPS App

The Aadhaar Enabled Payment System app designed with multiple security layers, making it a generally safe and reliable platform for financial transactions, especially in rural areas. It is regulated by the Reserve Bank of India (RBI) and operated by the National Payments Corporation of India (NPCI). 

Core Security Features

• Biometric Authentication: This is the primary security feature. Every transaction requires the user’s Aadhaar number and biometric data (fingerprint, iris, or increasingly, facial scan), which is matched against the Unique Identification Authority of India (UIDAI) database. This makes transactions difficult to forge, as biometrics are unique to the individual.
• End-to-End Encryption: Data transmitted during an AEPS transaction is encrypted using industry-standard protocols, protecting sensitive information from unauthorized access during transit.
• Regulatory Compliance: The Aeps system is subject to stringent guidelines and continuous monitoring by the Reserve Bank of India (RBI) and NPCI, with audit trails generated for every transaction.
• Minimal Data Sharing: Users only need to provide their Aadhaar number and bank name; sensitive details like account numbers, IFSC codes, or PINs are not shared at the point of transaction, reducing the risk of data theft.
• Certified Devices: AEPS relies on UIDAI-registered, STQC-certified biometric scanners that meet specific security and tamper-resistance criteria to prevent the use of fake or compromised devices. 
• No PIN/Password Sharing: The Aeps design eliminates the need to share account numbers, PINs, or card details at the point of transaction, reducing the risk of data skimming or phishing. 

User Safety Measures and Best Practices

While the system itself is robust, users must take precautions to safeguard against potential human-element and endpoint vulnerabilities. 

• Lock Your Biometrics: Users can lock their biometric data through the official UIDAI website or the mAadhaar app. Biometrics can be temporarily unlocked for a transaction when needed and will auto-lock again after a short period, preventing unauthorized use of stolen data.
• Use Authorized Service Points: Only conduct transactions with authorized banking correspondents or at reputable bank-led micro-ATM points. Avoid unverified or suspicious agents.
• Enable Transaction Alerts: Ensure your mobile number is linked to your bank account and Aadhaar to receive instant SMS notifications for all transactions. This allows for immediate detection of any unauthorized activity.
• Monitor Activity: Regularly check your transaction history and bank statements. Report any suspicious transactions to your bank and the National Cyber Crime Reporting Portal immediately.
• Keep Details Confidential: Never share your Aadhaar number, OTPs, or biometric information casually or over the phone. Remember that government bodies like UIDAI and banks will never ask for such details via call or SMS.
• Inspect the Biometric Device: Before a scan, visually inspect the device for any signs of tampering, such as unusual attachments or loose parts. 

By adhering to these safety measures, users can securely leverage the convenience offered by AEPS apps.

Read Blog: AEPS Registration in India: Complete Step-by-Step Guide 2026

How to Choose the Best AEPS App Provider in India

Aeps india one of the best AEPS app in India, prioritize security (RBI/NPCI certified), a high transaction success rate (98%+), competitive commission, instant settlement, and robust 24/7 customer support, alongside features like multi-bank support and extra services (bill pay, recharge) to boost earnings and ensure a smooth, profitable business. 

Here’s a breakdown of key factors to consider:

1. Security & Compliance

• RBI/NPCI Certification: Essential for legitimacy and security.
• Data Encryption: Protects customer and business data. 

2. Performance & Reliability

• High Success Rate: Look for >98% success to avoid customer frustration.
• Low Downtime: The app must be consistently available.
• Fast Processing: Quick transaction speeds are crucial. 

3. Financials 

• Commission Rates: Compare structures (₹5-₹15/txn is common) for maximum earnings.
• Settlement Speed: Instant or same-day settlement keeps your capital flowing.
• Joining Fees: Check if the ID is free or has upfront costs. 

4. User Experience (UX) 

• Intuitive Interface: Easy for both agents and customers.
• Detailed Reports: In-app tracking of earnings and history.
• Multi-Bank Support: Serve customers from various banks. 

5. Support & Features

• 24/7 Customer Support: Critical for troubleshooting via call, chat, or WhatsApp.
• Extra Services: Bill payments, recharges, money transfers enhance income.
• Scalability: Options for business growth and distributor models. 

Read Blog: Best AEPS Integration Providers in India 2026

Why Aeps India Is a Trusted AEPS App Provider

Aeps india is a trusted AEPS app provider is critical because it ensures security, reliability, and compliance with regulatory standards, which in turn builds customer confidence and enables businesses to operate legally and efficiently. These Aeps india act as the necessary link between agents, banks, and the National Payments Corporation of India (NPCI) network. 

A Aeps india generally possesses the following key characteristics:

• Regulatory Compliance and Security: The Aeps india is certified by the National Payments Corporation of India (NPCI) and adheres to guidelines from the Reserve Bank of India (RBI) and the Unique Identification Authority of India (UIDAI). Transactions are highly secure due to mandatory Aadhaar-based biometric authentication (fingerprint or iris scans) and robust data encryption, which minimizes fraud risks.
• High Reliability and Performance: Trust is built on consistent service. Aeps india offers a best Aeps platform with high transaction success rates (often 98%+), minimal downtime (high uptime), and real-time transaction processing and settlement.
• Wide Accessibility and Interoperability: The top Aeps platform supports multiple banks across India, allowing customers of any AEPS-linked bank account to perform transactions, which broadens market reach, particularly in rural and remote areas.
• User-Friendly Interface: The app and associated Aeps platform designed to be intuitive and easy to use for both agents (retailers) and end-customers, requiring minimal training and facilitating a simple, cardless, and PIN-less banking experience.
• Strong Customer and Technical Support: Reliable 24/7 customer support via various channels (call, chat, WhatsApp) is crucial for quickly resolving issues and minimizing service disruptions, which builds agent confidence and ensures smooth operations.
• Transparent and Profitable Model: Clear and competitive commission structures, along with instant commission payouts and transparent reporting, ensure a stable income source for agents and retailers, encouraging them to offer the service.
• Additional Services and Features: Beyond core AEPS functions (cash withdrawal, balance inquiry, mini statement, fund transfers), Aeps india often integrate other services like mobile recharges, bill payments, and micro ATM functionality, transforming retail points into comprehensive financial hubs. 

By meeting these criteria, an Aeps india establishes itself as a trustworthy partner in promoting financial inclusion and offering reliable digital banking services.

Future Trends of AEPS App

Future trends for AEPS apps focus on smarter security (AI, advanced biometrics like face/iris scans, liveness detection), deeper integration with UPI/wallets, and expanded services (micro-loans, insurance, bill payments) to create comprehensive rural financial hubs, all while maintaining user-friendly, mobile-first designs and leveraging blockchain for transparency, driving deeper financial inclusion across India with tighter RBI oversight. 

Key Trends Shaping AEPS Apps

Advanced Biometrics & Security:

1. Liveness Detection: To prevent fraud, apps will use AI to ensure users are physically present during biometric scans.
2. Multi-Modal Biometrics: Combining fingerprint with iris or face scans for stronger authentication, with face authentication becoming standard for 2FA (Two-Factor Authentication).
3. AI/ML for Fraud Detection: Real-time analysis of transaction patterns to identify and block suspicious activities.

Enhanced Integration & Ecosystem:

1. UPI Integration: Seamless linking with UPI for easier transfers and payments.
2. Wallet & Other Platforms: Deeper connections with digital wallets and other financial services.
3. Blockchain: Exploring blockchain for secure, transparent transaction records.

Expanded Service Offerings (Beyond Basic Banking):

1. Micro-Loans & Insurance: Offering small loans, insurance products, and micro-credit.
2. Bill Payments & Embedded Finance: Becoming a one-stop shop for utility bills and other embedded financial services.

Improved User Experience (UX):

1. Mobile-First Design: Simplified, intuitive interfaces for wider adoption, especially in rural areas.
2. API-First Architecture: Easier integration for retailers and fintechs.

Regulatory & Operational Focus:

1. Stricter RBI Norms: New rules focusing on operator KYC, monitoring, and robust tech controls to curb fraud.
2. Focus on BCs: Increased reliance on Business Correspondents (BCs) for last-mile reach. 

Overall Impact

AEPS is moving from basic banking to becoming a comprehensive digital financial platform, crucial for India’s financial inclusion goals, empowering rural communities, and reducing cash dependency through secure, accessible, and feature-rich mobile solutions. 

Conclusion

Choosing the best AEPS app for cash withdrawal and balance inquiry is no longer an option it has become a necessity for retailers, agents, and small businesses across India. With the growing demand for fast and secure banking services, AEPS has made it easy to provide instant cash withdrawal, real-time balance inquiry, and basic banking services using only an Aadhaar number and fingerprint.

AEPS apps are mobile applications used by retailers (Business Correspondents) in India to provide basic, secure banking services to customers using their Aadhaar number and biometric authentication (fingerprint or iris scan). The system is a bank-led model developed by the National Payments Corporation of India (NPCI). 

AEPS (Aadhaar Enabled Payment System) apps like Aeps india allow users to withdraw cash, check balances, and perform other banking tasks using just their Aadhaar number and fingerprint, eliminating the need for cards, making it ideal for cashless/cardless banking, especially in rural areas. These Aeps india apps connect to your Aadhaar-linked bank account via biometric authentication at retailer points (micro-ATMs or PoS devices). 

The AEPS India platform stands out as a reliable and trusted solution for retailers who want to offer smooth AEPS banking services to their customers. It ensures quick transactions, high success rates, strong security, and attractive commissions. Whether you run a kirana store, CSC center, or digital service shop, an AEPS app helps you increase footfall, build customer trust, and earn daily income.

With the growing demand for AEPS services in India, agents need an Aeps india app that offers high success rates, quick transactions, and strong security. The right AEPS app reduces transaction failures, saves time, and builds trust among customers, especially in rural and semi-urban areas.

At Aeps India, we provide a trusted AEPS app designed for smooth cash withdrawal, balance enquiry, and mini statement services. Our fast Aeps platform supports secure biometric authentication, real-time settlements, and easy-to-use features that help agents serve more customers every day.

Selecting the best AEPS india app in India ensures safe transactions, better customer experience, and steady income for agents. With Aeps India’s reliable AEPS solutions, retailers and service providers can grow their business while delivering convenient digital Aeps banking software services.

For businesses ready to grow in the digital payments sector, choose Aeps India AEPS app today. Contact us now to get started with a secure, scalable, and future-ready solution for your AEPS services.

Frequently Asked Questions (FAQs) – Best AEPS App for Cash Withdrawal and Balance Inquiry