Bank at Any Kirana Store — Just a Fingerprint Away
AEPS (Aadhaar Enabled Payment System) is an RBI-mandated, NPCI-operated electronic payment gateway that allows customers to access their Aadhaar-linked bank account using only their Aadhaar number and biometric fingerprint — no card, no smartphone, no PIN required.
People do not need to mention their bank account number to execute transactions. With AEPS, customers can withdraw cash, check balance, get mini statements, deposit cash and transfer funds from any business correspondent (BC) outlet — even in rural areas with no bank branch or ATM nearby.
The fingerprint is authenticated in real time from UIDAI's central database. UIDAI then confirms the identity to the customer's bank, which processes the transaction. ZuelPay provides a fully tested, UIDAI-authorised AEPS API that any BC, fintech or platform can integrate to offer these services.
Five Banking Services via One Fingerprint
No card, no smartphone, no bank branch — just Aadhaar number + fingerprint at the nearest BC outlet.
Cash Withdrawal
Customers can withdraw cash from their Aadhaar-linked bank account at any BC outlet — no debit card, no bank visit required. Simply provide Aadhaar number and fingerprint.
- Withdraw from any linked bank account
- Any BC or mPOS device with biometric scanner
- Instant cash dispensed by BC agent
- Transaction limit: ₹50 to ₹10,000 per transaction
- Up to ₹50,000 per day per customer
- Real-time bank debit confirmation
Cash Deposit
Customers can deposit cash into their Aadhaar-linked bank account at any BC outlet — ideal for daily wage workers, farmers and rural users who receive cash and need to bank it quickly.
- Deposit into any Aadhaar-linked account
- Only Aadhaar number + fingerprint needed
- Instant credit confirmation via SMS
- No deposit slip or passbook required
- Agent earns commission per deposit
- Available at any ZuelPay BC outlet
Balance Inquiry
Check real-time bank account balance for any Aadhaar-linked account — no ATM or banking app needed. Returns available balance from the linked bank in real time via NPCI.
- Real-time balance from bank server
- Works across all NPCI member banks
- Result displayed on BC device screen
- Optional SMS confirmation to customer
- No charge to customer
- Quick 3-second response time
Mini Statement
Retrieve last 5 transactions from the customer's Aadhaar-linked bank account — date, transaction type, amount and running balance — without visiting a bank branch or ATM.
- Last 5 bank transactions via NPCI
- Shows credit, debit and closing balance
- Printed or sent via SMS to customer
- Works for all NPCI-member bank accounts
- Especially useful in areas with no ATM
- Full transaction history via API response
Fund Transfer (Aadhaar Pay)
Send money instantly from one Aadhaar-linked account to another using only the recipient's Aadhaar number. No account number, no IFSC, no smartphone needed by either party.
- Transfer to any Aadhaar-linked account
- Sender authenticated via fingerprint
- Recipient identified by Aadhaar number only
- Works across different banks seamlessly
- Instant credit confirmation via NPCI
- Limit: ₹10,000 per transaction
mPOS & Micro-ATM
ZuelPay provides mPOS (Mobile Point of Sale) and Micro-ATM devices to business correspondents — enabling all AEPS services plus card-based cash withdrawal for debit card holders.
- UIDAI-certified biometric device
- Supports AEPS + card withdrawals
- Works on 2G, 3G, 4G or Wi-Fi networks
- Integrated receipt printer
- Offline transaction queuing support
- Remote device management via portal
How AEPS Transaction Works
Five-step biometric flow — from customer authentication to cash dispensal in under 5 seconds.
Customer Arrives
Customer visits BC outlet with only their Aadhaar number — no card, no passbook, no PIN needed.
Enter Aadhaar & Bank
BC agent enters customer's Aadhaar number and selects the issuing bank on the mPOS / BC device.
Biometric Scan
Customer places thumb/finger on the UIDAI-certified biometric scanner — fingerprint captured and encrypted.
UIDAI Authentication
Fingerprint sent to UIDAI. UIDAI authenticates identity and communicates confirmation to the customer's bank via NPCI.
Transaction Processed
Bank processes the request — cash dispensed, balance shown or transfer confirmed. SMS sent to customer instantly.
// POST /v2/aeps/withdrawal
fetch('https://api.zuelpay.com/v2/aeps/withdrawal', {
method: 'POST',
headers: {
'Authorization': 'Bearer zp_live_xxx',
'Content-Type': 'application/json'
},
body: JSON.stringify({
aadhaar: 'XXXX XXXX XXXX',
bank_iin: '508505', // NPCI bank IIN
amount: 2000,
biometric_data: '<PidData encrypted>',
device_id: 'MORPHO_SFv20_001',
agent_id: 'AGT_ZP_12345',
ref_id: 'AEPS_2026_001'
})
});
// biometric_data = UIDAI PidData XML
// encrypted with UIDAI public key
biometric_data field requires a UIDAI-registered fingerprint scanner (Morpho, Startek, Mantra, SecuGen). ZuelPay provides certified devices to BC partners. Contact us to get your device registered with UIDAI.
Works with All NPCI Member Banks
Customer's Aadhaar must be linked to the bank account. NPCI routes transactions between any two banks seamlessly.
Why Become a ZuelPay BC Agent?
Earn Per Transaction
Earn commission on every cash withdrawal, deposit, balance check and fund transfer — steady daily income without any inventory.
No Bank Branch Needed
Run banking services from your existing kirana shop, pharmacy or any retail outlet — no separate infrastructure required.
Last-Mile Financial Inclusion
Serve rural customers who have no ATM or bank branch in their village — become their digital banking access point.
Works on 2G Networks
ZuelPay AEPS device works on 2G, 3G, 4G and Wi-Fi — even in low-connectivity rural areas with patchy internet.
Zero Fraud Risk
Biometric authentication by UIDAI means you never handle cash except at the counter. No card fraud, no cloning risk, no chargebacks.
Real-time Dashboard
Track all transactions, commission earnings, wallet balance and daily settlement from ZuelPay's agent portal or mobile app.
Rural Villages
Farmers, daily wage workers and rural households with no ATM or bank branch within 10 km
Govt. Benefit Recipients
MGNREGA workers, PM-Kisan farmers, PM-Garib Kalyan Yojana beneficiaries receiving DBT payments
Jan Dhan Account Holders
600M+ Jan Dhan account holders who use Aadhaar as their primary banking identity
Senior Citizens
Elderly pension recipients who find ATM usage difficult — simple fingerprint is all they need
Construction Workers
Migrant labourers and construction workers paid via Aadhaar-linked accounts at remote sites
School Fee Collection
Government schools in rural areas collecting fee deposits from parents via AEPS at BC outlets
Supported Fingerprint Scanners
ZuelPay's AEPS API works with all UIDAI L0/L1 registered biometric devices.
More APIs to Grow Your BC Business
Recharge API
Offer mobile, DTH and data card recharge from your BC outlet — earn commission on every transaction.
📄BBPS Bill Payment
Pay electricity, gas, water and 200+ bills for your customers — full BBPS network access.
💸Money Transfer API
IMPS, NEFT, RTGS and UPI transfers for customers who need to send money home.
✅KYC Verification
Aadhaar OTP, PAN, bank account and GST verification for customer onboarding.
🏷️White-Label Platform
Launch your own branded BC platform with AEPS, recharge and bill payments included.
🚗FASTag Services
Issue new FASTags and recharge existing ones — growing demand at all locations.
Become a ZuelPay AEPS Business Correspondent
UIDAI authorised, all 200+ banks, instant commission. Device support included. Apply today.