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Aadhaar Enabled Payment Service or AEPS, is an Aadhaar based payment solution which empowers bank users to carry out financial transactions (without any debit card/credit card/ cheque book) using only their Aadhaar card, registered with their bank account, and biometric authentication. AEPS agents and distributors can provide basic banking services to their customers such as cash withdrawal, balance inquiry and obtaining a mini statement. It is an initiative by NPCI (National Payments Corporation of India) to support unbanked and underbanked sections of India.

It is a win-win situation for both – the local retailers and the customers. Instead of searching for ATMs or standing at long queues at bank branches, customers can walk up to any Yo Money retail store and conduct banking transactions with their Aadhaar number and fingerprint authentication. At the local store, customers can withdraw cash, or instantly transfer money to any bank account in India with ease and convenience.

How Does AEPS Works?

Once the AEPS Agent registration is done, your Yo Money AEPS Agent login id will be generated. The process of AEPS is very simple.

  • The AEPS Agent connects and installs a biometric device to their Computer or Smart phone
  • Agent inputs the Customer Aadhaar number and the bank name.
  • Agent selects the transaction type: Cash withdrawal or Balance Inquiry.
  • The customer then inputs their thumb print (same as per Aadhaar) to authenticate the transaction.
  • The customer’s account is debited and the merchant’s Yo Money wallet account is credited real time along with additional commission amount.
  • The AEPS Agent then receives a transaction receipt and the customer receives an SMS confirmation from the bank.



Safe & Secure system


No need to carry Debit or Credit card


Easily withdraw money, without visiting bank or ATM


Maximum utilization of cash at shop


Only Aadhaar number and fingerprint authentication required


Attractive real-time commission on every transaction


Quick process, doesn’t take more than a minute to complete a transaction


Multiple devices integrated to capture fingerprint

Top Features

  • Real Time Transaction Settlement along with commission
  • Safe & Secure system.
  • No need to carry a Debit or Credit card, Only the Aadhaar number and fingerprint authentication required.
  • Easily withdraw money, avoid long queues at the bank or ATM.
  • Quick process, doesn’t take more than a minute to complete a transaction.

Benefits to AEPS agent

  • Minimum Investment with Maximum Return.
  • Only requirements to set up business, are a Smart phone or Computer (as per ease and availability) & Biometric Device.
  • Earn Attractive Commission per transaction.
  • Quick process takes less than a minute to complete the transaction.
  • Full utilisation of cash in hand.
  • Increase in customer base due to additional service provided.

Benefits to customer

  • Easily withdraw money using Aadhaar ATM, without visiting bank or ATM
  • Easy and instant transfer of money to your loved ones at any bank account in India
  • Fully secured mode of funds transfer. No hassles of visiting a bank or fillling up forms
  • Easily withdraw money, avoid long queues at the bank or atm.
  • No need for debit card. Only Aadhaar number and fingerprint authentication required

Why Yo Money

  • AEPS agents and AEPS Distributors get instant and real time settlement on every transaction.
  • Ease of doing the AEPS business setup with us, we will help you every step of the way.
  • Trained and experienced service workforce to help your AEPS business flourish.
  • Save time by conducting transactions through Yo Money Web Portal or Mobile Application.
  • Seamless process designed to reduce transaction time and effort using Yo Money portal.

Activation Process

Any new or existing business partner can do AEPS registration with a simple documentation process. All you need to do is to submit your PAN Card and Aadhaar Card and fill the Aadhaar Enabled Payment System registration form. Earn a handsome income on every transaction!

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