Aadhaar Enabled Payment System (AEPS)
Turn your shop into a mini-ATM. Help customers withdraw cash, check balance and access banking using just their Aadhaar number and fingerprint — no card, no PIN, no paperwork.
Banking Without a Bank Branch
A government-backed payment system that brings cash and banking to every village, every street, every shop — through Aadhaar.
AEPS (Aadhaar Enabled Payment System) is a payment system developed by the National Payments Corporation of India (NPCI) that allows customers to perform basic banking transactions using only their Aadhaar number and biometric authentication — no debit card, no PIN, no chequebook required.
For millions of Indians in semi-urban and rural areas where ATMs are far away or banks are crowded, your Sarthi-powered shop becomes the nearest banking point. The customer simply walks in, places their finger on a biometric scanner, and walks out with cash — in under a minute.
For you as a retailer, AEPS is one of the highest-frequency, highest-recurrence services in the Sarthi network. Customers who come for cash withdrawal often stay to recharge, pay bills or send money — turning a single visit into multiple income streams.
Four Banking Services From One Counter
Every AEPS-enabled Sarthi agent can offer the full suite of NPCI-supported transactions.
Cash Withdrawal
Customers withdraw cash from their Aadhaar-linked bank account, just like an ATM. The agent disburses cash and earns commission on every successful transaction.
Balance Enquiry
Help customers check their bank balance instantly without visiting a branch or ATM — useful before large withdrawals or transfers.
Mini Statement
Print or display the last few transactions on a customer’s account so they can track salary credits, pension or DBT subsidies.
Aadhaar to Aadhaar Transfer
Send money instantly from one Aadhaar-linked account to another using only Aadhaar numbers — no IFSC, no account number needed.
Cash Withdrawal in 5 Quick Steps
From customer walk-in to cash disbursal — the whole flow takes under a minute.
Enter Aadhaar
Type the customer’s 12-digit Aadhaar number into the Sarthi agent app.
Select Bank
Choose the customer’s Aadhaar-linked bank from the list (SBI, PNB, BOB, etc.).
Choose Service
Pick withdrawal, balance enquiry, mini statement or Aadhaar transfer. Enter amount.
Capture Fingerprint
Customer places their finger on the biometric scanner. Authentication happens instantly.
Cash & Receipt
Approval comes back in seconds. Hand over cash, print the receipt, earn commission.
The Highest-Footfall Service We Offer
Cash is what people need most often — especially after salary, pension or DBT credits hit accounts.
- Daily footfall — cash withdrawal is a near-daily need
- No KYC paperwork — the customer’s Aadhaar is the KYC
- Customer doesn’t need a debit card or smartphone
- Brings traffic — cash visitors stay for recharge, BBPS, DMT
- Boosts trust — you become the village’s “mini bank”
- Direct commission settled into your Sarthi account
Earn ₹6–₹15 Per Withdrawal
An active AEPS agent serving 20–40 customers a day during peak weeks (1st–10th of the month) earns a strong recurring side-income.
What You Need to Become an AEPS Agent
One additional thing compared to other Sarthi services — a biometric fingerprint scanner.
PAN Card
For tax compliance and KYC verification of the agent.
Aadhaar Card
For agent identity proof — e-KYC done digitally in minutes.
Shop Proof
GST, Udyam, Gumasta or any registered shop document.
Bank Account
A current or savings account for daily commission settlement (T+1).
Smartphone or Laptop
Any Android phone or Windows laptop — the Sarthi agent app works on both.
Biometric Scanner
A UIDAI-registered fingerprint device (Mantra, Morpho or Startek). One-time purchase.
Frequently Asked Questions
Everything you need to know about offering AEPS at your shop.
