The Aadhaar Enabled Payment System (AePS) is a bank-led model developed by NPCI, which allows online transactions at Micro ATM/Kiosk/mobile devices through the authorized Business Correspondent (BC) or Agents of any bank using Aadhaar authentication. NPCI has designed this solution to handle various kinds of service requests effectively by enabling an authentication gateway for all Aadhaar-linked account holders.

Any resident of India having an Aadhaar number linked to a bank account – referred to as an Aadhaar Enabled Bank Account (AEBA) – can avail of the AePS services. Bank customers with an Aadhaar-enabled bank account can visit any BC/Agent outlet of participating member banks for basic banking requirements as listed below:
• Balance Enquiry
• Cash Withdrawal
• Cash Deposit
• Aadhaar to Aadhaar Fund Transfer
• Mini Statement
• Purchase
• Dual Authentication