Financial Analyst

Kiosk Banking

Launch a payment system which allows merchants to collect payments from a customer using his Aadhaar number and biometric authentication. The Aadhaar seeded account of the customer gets debited and merchant account gets credited.

Features of Aadhaar Pay

  • Inter-operable

  • Instant transfer, 24X7 availability

  • No peripherals required for customers to make payments like cards and smart phone

  • Secure and safe as it is based on biometric authentication.

Kiosk Banking Services

Secure and safe as it is based on biometric authentication.


Benefits to Customer

  • No need to smartphone to make a payment

  • No need to remember pin & password

  • Customer ease, easiest way of cashless payment

  • Pay from any aadhaar enabled bank account

  • No security issue as payments are done through biometric authentication

  • No need to carry cash

Transaction on aadhaar pay

  • Aadhar number & Bank Account

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FAQ - AEPS Connect

Q. What are the services available under AePS?

Below are the services available under Aeps:
i. Cash Withdrawal
ii. Balance Enquiry
iii. Mini Statement
vi. Mobile Recharge vii. Bill Payments

Q. What is important for AEPS to work?

The customer looking to avail AEPS should mandatorily:
a. Have a Bank Account with a Bank participating in AEPS
b. His / Her Aadhaar should be linked to his/her Bank account with other Bank.
c. Transaction is completed using his/her biometric authentication only.

Q. Who is acquirer Bank?

The Bank who has deployed the AEPS terminal on which the transaction is done for Cash Withdrawal, Deposit, Fund Transfer or non-financial transactions such as Balance Enquiry and Mini Statement.

Q. Who is issuer Bank?

Issuing Bank in AEPS parlance means the Bank with which the customer’s Aadhaar seeded account is held. The Issuing bank should be a member or submember of the NFS network and enabled on AEPS offered by NPCI.

Q. What is RRN No.?

RRN number is a 12-digit number generated to record the transaction and to identify a transaction uniquely.

Q. What happens if a customer enters an incorrect Aadhaar Number or chooses a Bank where he doesn’t have an account?

If the customer enters incorrect Aadhaar number/ selects an incorrect bank where he/ she does not have an Aadhaar linked bank account, the transaction will decline with an appropriate response message. Further, as a customer may link his/ her Aadhaar with multiple banks, customer should select the correct bank, from where he wishes to perform transaction. In case, customer has more than one account with the selected bank then only the primary account will be debited/credited and customer cannot make a selection of bank account at the time of transaction.

Q. Does the customer specifically need to register with his Bank to be able to transact through AEPS?

Ideally No, but linking Aadhaar Number with Bank account is a pre-requisite. However, registration process shall be as per the procedures laid down by the Issuer bank providing the service. Please check from the bank where you hold the Aadhaar linked bank account.

Q. Customer has multiple accounts linked to his/her Aadhaar number in his/her bank. How can he/she specify the account number from which the transaction needs to be done?

If customer has multiple account within the same Bank linked to Aadhaar, AEPS services will work with only the primary account associated with the Aadhaar. Customer need to get in touch with his/her bank to specify/change the primary account linking.

Q. If a customer has multiple accounts linked to his Aadhaar number across multiple Banks, which account will be debited for withdrawal or credited for Deposit?

Since the accounts are held with different (multiple) Banks, Customer will have a choice to select the Bank name in the AEPS app from where the transaction need to be done.

Q. Can the customer having account with INDC First Bank use AEPS for withdrawing money from other Bank terminals?

Yes, INDC First Bank has activated the services and with our vast network of access points, customers can use cash withdrawal/deposit services at INDC First Connect access points.

Q. Does the customer need to carry Aadhaar Card for transacting?

Carrying Aadhaar card is not mandatory but linkage of Aadhaar Number with Bank account is a prerequisite for transaction to be processed successfully.

Q. How will the customer know that the transaction has been successfully processed/completed?

The status of the transaction will be available on the m-ATM primarily. The customer will also receive an SMS from INDC First Connect as well as his/her Bank if registered for mobile alerts.

Q. What are the charges associated with various AEPS services offered by INDC First Connect?

No transactional charges will be levied on the customer if he / she avails the services at any access points / doorstep. However, Doorstep service charge will be applicable to the customer as per prevailing fees.

Q. Is there any limit on AEPS Cash withdrawal, Pull Money and Fund Transfer transactions? If So what are the limits.

INDC First as an acquirer bank does not put any limit on any AEPS transactions for other bank customers . The Issuing Bank however maintains these limits based on customer profile and risk management practices. NPCI has set a maximum transaction amount of Rs. 10,000 on a single AEPS financial transaction.

Q. I have a Joint Account with other Bank. Will AEPS services offered by IPPB available to me? Will additional consent of Joint Account holders will be required?

In case Aadhaar is linked to the joint account and where the operation condition is either or survivor, then services can be availed using any of the Aadhaar details.

Q. Are there any age criteria to avail AEPS services? Can a minor above10 years of age, avail such services? Can a minor below age of 10 years, avail such services?

Allowed for minors, but it depends on the issuer bank.

Q. Customer account has got debited and he/she has recd. confirmation from his/her Bank but transaction in MATM/CBS could not be completed?

It is likely that transaction has failed. The refund will go back to the customer A/C but it might take 7 working days. If the amount is not credited back within 7 working days, same can be raised with bank they hold the account.

Q. How can the customer raise a dispute?

The customer can raise a dispute/compliant with the bank they hold the account with. Bank will further raise it with the concerned bank via NPCI’s Dispute Management System.

Q. Where do I register a complaint for failed transaction?

The customer can raise a dispute/compliant with the bank they hold the account. Bank will further raise it with the concerned bank via NPCI’s Dispute Management System.


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We never ask for your user id / password / pin no. through phone call / SMSes / e-mails. Any such phone call / SMSes / e-mails asking you to reveal credential or One Time Password through SMS could be attempt to withdraw money from your account.NEVER share these details to anyone. We wants you to be secure. If you come across any such instances please inform us through e-mail to the following address-

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