Aadhaar-powered last-mile banking.
Turn any kirana, BC agent or kiosk into a full-service bank branch. Cash withdrawal, balance, deposit, Aadhaar Pay and domestic remit — all on a UIDAI-compliant switch.
Six banking services. One Aadhaar tap.
PAY9 routes every AEPS transaction through NPCI's certified switch — balance, withdraw, deposit, Aadhaar Pay and domestic remit all share one integration.
Cash Withdrawal
Aadhaar-authenticated cash dispense at any agent or kiosk. Daily cap ₹10,000.
Balance Enquiry
Real-time balance lookup across 100+ Indian banks. Zero charge.
Mini Statement
Last 10 transactions printed at the kiosk or sent as SMS / WhatsApp.
Aadhaar Pay
Customer pays merchant by fingerprint — no card, no PIN, no QR.
Cash Deposit
Last-mile deposit at BC agent; CBS-reflected in under 10 seconds.
Domestic Remit
Send money to any bank account with Aadhaar OTP authentication.
Banking, where branches don't reach.
AEPS lets PAY9 agents serve unbanked and semi-banked India with just an Aadhaar number and a fingerprint scanner.
Four steps. Sub-3-second total.
Agent scans Aadhaar
Customer enters Aadhaar number; selects bank from a list of 100+ issuers.
Fingerprint capture
Agent uses a Mantra / Morpho L1 scanner — encrypted on the device.
UIDAI authenticates
Encrypted PID block routed to UIDAI through PAY9; auth in under 800ms.
Bank settles
Customer's bank debits and we credit the agent's wallet within 3 seconds.
Earn from every transaction.
BC Agents earn ₹8–25 per AEPS withdrawal + flat ₹3 per balance enquiry. Apply with just an Aadhaar, PAN and a fingerprint scanner.