Aadhaar Enabled Payment System (AEPS) API by PayRupees empowers businesses and fintech platforms to offer seamless, secure, and real-time financial transactions using Aadhaar authentication. Designed to bring banking services to the underserved and rural population, AEPS enables users to withdraw cash, check balances, and transfer funds using just their Aadhaar number and fingerprint verification. Our API ensures fast integration, high uptime, and compatibility with major banks across India.
PayRupees AEPS API is built on robust technology that prioritizes security and user privacy. It uses UIDAI-compliant authentication mechanisms and operates under NPCI guidelines, ensuring your platform remains aligned with regulatory requirements. Whether you’re a retailer, distributor, or a banking correspondent, our API allows you to provide banking services through micro-ATMs or biometric devices efficiently and reliably.
The AEPS service provided through PayRupees is especially valuable for reaching customers in remote areas where traditional banking infrastructure is limited. Our API supports all core AEPS transactions including cash withdrawal, mini statement, balance inquiry, and Aadhaar-to-Aadhaar fund transfers. This empowers your users to conduct financial transactions easily without needing a smartphone or bank card.
Integrating AEPS API with PayRupees is simple and developer-friendly, with comprehensive documentation and technical support provided by our experienced team. We ensure fast onboarding, secure SDKs, and real-time transaction monitoring to help your business grow. With PayRupees AEPS, you can become a part of India’s digital banking revolution and extend essential banking services to the last mile.
AEPS API
PayRupees AEPS API – Enabling Secure, Aadhaar-Based Banking Across India
In a country where access to traditional banking is still limited in many regions, the Aadhaar Enabled Payment System (AEPS) has become a game-changer. It allows users to perform basic banking transactions using their Aadhaar number and biometric verification, without the need for debit cards or bank branches. PayRupees AEPS API is a powerful, easy-to-integrate solution that enables fintech platforms, BC (Banking Correspondent) networks, and retail agents to offer these essential services at the grassroots level.
With PayRupees AEPS API, businesses can enable customers to perform cash withdrawals, balance inquiries, and mini statements directly from their bank accounts using just their Aadhaar number and a fingerprint. This solution is especially valuable in rural and semi-urban areas, where ATM and bank branch penetration is low. Through our API, any authorized retailer or CSP (Customer Service Point) can become a mini banking outlet and offer instant services to the public.
Our AEPS API is built with bank-grade security and fully aligned with UIDAI and NPCI protocols. Every transaction is protected through token-based authentication, secure biometric encryption, and IP whitelisting, ensuring that both the customer’s data and the transaction are handled with the highest level of integrity. We also support all major biometric devices including Morpho, Mantra, Startek, and more, making the integration process flexible and device-friendly.
PayRupees offers an easy-to-use, RESTful AEPS API that supports fast and scalable deployment. Whether you’re a fintech startup or an established banking network, our solution is built to scale with your needs. Integration is straightforward with clear documentation, sandbox testing, and real-time support from our technical team. Once integrated, platforms can manage thousands of Aadhaar-based transactions daily with high uptime and stability.
Beyond the technical capabilities, the real impact of our AEPS API lies in its contribution to financial inclusion. By enabling Aadhaar-linked transactions through retail agents, PayRupees helps bring banking services closer to those who need them most—daily wage workers, pensioners, villagers, and those without easy access to banks. These users can now withdraw their government subsidies, wages, and pensions conveniently and securely from their local kirana store or BC point.
To support operations, PayRupees provides a real-time dashboard where agents and administrators can track transaction history, monitor success/failure rates, and download reports for audits or reconciliations. We also offer a robust commission and settlement structure to ensure our partners and agents are rewarded promptly and fairly for every transaction processed.
In conclusion, the PayRupees AEPS API is more than just a technical solution—it’s a bridge between traditional banking and the millions of underserved citizens in India. With real-time capabilities, high-level security, and nationwide reach, our AEPS API empowers fintech platforms and CSPs to deliver last-mile banking services that are essential for economic empowerment and digital growth. Partner with PayRupees to drive financial access and inclusion across Bharat, one secure transaction at a time.