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Payrite is an AEPS service provider that lets any retailer or business correspondent turn a shop into a mini bank branch. With the Aadhaar Enabled Payment System, your customers can withdraw cash, check their balance, take a mini statement or pay you through Aadhaar Pay, using only their Aadhaar number and a fingerprint. No card, no PIN and no bank visit are needed.

AEPS is an initiative of the National Payments Corporation of India (NPCI). Every transaction is verified through biometric authentication, so it is secure for the customer and safe for you. Payrite gives you the portal, the Android app, biometric device support and a settlement process built for high daily volumes.

AEPS Service Provider – Aadhaar Enabled Payment System icon

How the AEPS service works at your counter

The customer tells you the bank name and the amount, enters the Aadhaar number in the Payrite app or web portal, and places a finger on the biometric scanner. The request goes to the customer’s bank through the NPCI network and is approved within seconds. For a cash withdrawal you hand over the cash and the amount is credited to your Payrite wallet. Balance enquiry and mini statement print or display instantly. Aadhaar Pay works in reverse: the customer pays you for goods or services directly from their bank account. The typical AEPS withdrawal limit is ₹10,000 per transaction, which suits most everyday needs.

Who should offer AEPS?

AEPS is ideal for kirana stores, mobile shops, CSC operators, cyber cafés and anyone with regular footfall in a town or village where the nearest bank branch or ATM is far away. It is also a natural add-on if you already run domestic money transfer or micro ATM at your shop, because the same customers need cash-out and cash-in services. Distributors who manage a network of retailers can enable AEPS for all of them from one panel and track transactions in real time.

Why choose Payrite as your AEPS service provider

Payrite connects to multiple AEPS routes, so if one bank channel is slow your transaction can still succeed. Settlement to your wallet is immediate and you can move funds to your bank account whenever you need. Our support team helps with device setup, KYC onboarding and transaction queries over WhatsApp and phone. If you want to run AEPS under your own brand for your own network of agents, our white label fintech platform includes AEPS along with DMT, CMS, BBPS and recharge.

Key benefits

  • Cash withdrawal, balance enquiry, mini statement and Aadhaar Pay
  • Biometric authentication on every transaction for full security
  • Works with popular fingerprint devices on Android and web
  • Instant credit of withdrawal amount to your Payrite wallet
  • Multiple bank routes for a higher success rate
  • Serve customers of almost every bank in India
  • Dedicated onboarding and transaction support

Want this under your own brand?

Payrite White Label gives you DMT, AEPS, CMS, BBPS and Recharge with your logo, domain and commission slabs.

White Label Inquiry

How to get started

1

Register with Payrite

Sign up as a retailer or distributor through the portal or by calling our team.

2

Complete KYC and AEPS onboarding

Submit your Aadhaar, PAN and bank details and finish the biometric agent registration.

3

Connect your biometric device

Pair a supported fingerprint scanner with the Payrite app or portal.

4

Start serving customers

Process withdrawals and enquiries, and track every transaction and commission in your dashboard.

Commission and earnings

You earn a commission on every successful AEPS cash withdrawal and Aadhaar Pay transaction, and the commission is credited to your wallet along with the transaction amount. Commission slabs depend on the transaction value and on whether you join as a retailer or a distributor. The complete slab sheet is shared with you at the time of onboarding.

Frequently asked questions

What is AEPS?

AEPS, or Aadhaar Enabled Payment System, is an NPCI payment service that lets a bank customer withdraw cash, check balance, take a mini statement or make a payment using only an Aadhaar number and fingerprint at an agent point.

What do I need to start AEPS with Payrite?

You need a smartphone or computer, an internet connection, a supported biometric fingerprint device, and a completed Payrite retailer registration with Aadhaar, PAN and bank account details.

How much can a customer withdraw through AEPS?

The typical AEPS cash withdrawal limit is ₹10,000 per transaction. Daily limits can vary by the customer’s bank, so a customer may complete more than one transaction subject to their bank’s rules.

Is the AEPS transaction amount credited to me instantly?

Yes. When a cash withdrawal is successful, the transaction amount plus your commission is credited to your Payrite wallet immediately, and you can transfer the wallet balance to your bank account.

Can customers of any bank use AEPS at my shop?

Customers of almost every bank in India that is live on the NPCI AEPS network can transact at your counter, as long as their Aadhaar is linked to their bank account.

Ready to offer AEPS Service Provider – Aadhaar Enabled Payment System at your counter?

Call +91-9879649153, message us on WhatsApp, or register on the Payrite portal today.

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