Aadhaar Enabled Payment System

In an effort to enable more financial inclusion with aadhaar authentication and allow Aadhaar Enabled Bank Account (AEBA) holders from marginalized sections of society to have access to banking, the UIDAI has joined hands with different stakeholders such as the Reserve Bank of India (RBI) and National Payments Corporation of India (NPCI) to develop a platform.

The Aadhaar Enabled Payment System (AEPS) will be one such platform that will allow the marginalised sections of the society to have access to banking through micro ATMs via aadhaar authentication.

What is AEPS?

AEPS is a type of model that aims to facilitate ‘financial inclusion’ through micro ATMs that will be set up through Aadhaar-based authentication.

How AEPS works

  • The customer gives details of aadhaar data, financial transaction and fingerprint data through a micro ATM
  • The digital data, in an encrypted form, is then sent to the UIDAI through a ‘Bank Switch’
  • The data is authenticated by UIDAI and the result is reflected with a ‘Yes/No’
  • If ‘Yes’ is the response, the bank will initiate the required authorization


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