AEPS Business with Biometric & Face Authentication – Earn More with Ezeepay
The Aadhaar Enabled Payment System (AEPS) is revolutionizing how banking services are delivered across India. With the integration of biometric and face authentication, AEPS has become more secure, reliable, and accessible—especially for rural and semi-urban areas. For retailers, this system is not just about offering services but also about creating a steady and scalable source of income.
What is AEPS and How Does It Work?
The Aadhaar Enabled Payment System is a payment service developed by the National Payments Corporation of India. It allows customers to perform basic banking transactions using their Aadhaar number and biometric authentication.
Instead of relying on debit cards, PINs, or smartphones, AEPS enables users to access their bank accounts with:
Fingerprint authentication
Face authentication (new advanced feature)
This makes banking services more inclusive and accessible, especially for people who may not be tech-savvy or do not have access to traditional banking tools.
Key Services Offered Through AEPS
Retailers offering AEPS services can provide a range of essential banking facilities to customers:
Customers can withdraw cash instantly from their bank account using Aadhaar authentication.
Users can check their account balance without visiting a bank branch or ATM.
Customers can view recent transactions, helping them track their finances easily.
4. Aadhaar to Aadhaar Fund Transfer
Money can be transferred from one Aadhaar-linked bank account to another.
These services turn any retail shop into a micro banking center, attracting more customers and increasing daily footfall.
Step-by-Step Process of AEPS Cash Withdrawal
The AEPS transaction process is simple, quick, and user-friendly:
Retailer selects AEPS service on the platform
The customer provides the Aadhaar number
Bank is selected from the list
The transaction amount is entered
Customer verifies identity using fingerprint
Face authentication is completed (if required)
The transaction is processed instantly, and cash is handed over
This entire process takes just a few minutes, making it highly efficient for both retailers and customers.
Transaction Limits and Guidelines
AEPS transactions are governed by certain limits to ensure safety and compliance:
Maximum per transaction: ₹10,000
Daily withdrawal limit: Up to ₹50,000 (depending on the bank)
These limits may vary based on banking policies, but they are designed to maintain security and prevent misuse.
Biometric Authentication: The Backbone of AEPS
Biometric authentication is a core component of AEPS transactions. It uses the customer’s fingerprint to verify identity.
Benefits of Biometric Authentication:
Eliminates the need for PINs or passwords
Ensures only the account holder can access funds
Reduces fraud and unauthorized transactions
Speeds up the verification process
However, there are cases where fingerprint authentication may fail due to worn-out fingerprints or technical issues. This is where face authentication plays a crucial role.
Face Authentication: The Next Level of Security
Face authentication is the latest enhancement in AEPS technology. It adds an extra layer of security by verifying the customer’s identity through facial recognition.
The system captures a live image of the customer
Matches it with Aadhaar database records
Confirms identity before completing the transaction
Advantages of Face Authentication:
Works even when fingerprint fails
Provides higher accuracy in identity verification
Enhances transaction success rate
Strengthens fraud prevention mechanisms
With both biometric and face authentication combined, AEPS becomes one of the most secure banking systems available today.
Why AEPS is a Profitable Business for Retailers
AEPS is not just a service—it’s a business opportunity for retailers looking to increase their income.
Retailers earn commission on every transaction, creating a consistent daily earning stream.
2. Increased Customer Footfall
Customers visit your shop for banking services, which can also boost sales of other products.
Starting an AEPS business requires minimal investment compared to other businesses.
With growing digital adoption, AEPS services are in high demand, especially in rural areas.
Earn up to ₹15 per transaction
Perform multiple transactions daily
Scale earnings based on customer volume
This makes AEPS one of the most attractive business models for small shop owners and entrepreneurs.
How to Start an AEPS Business
Starting an AEPS business is simple and requires basic setup:
Biometric device (fingerprint scanner)
Face authentication-enabled system
Register as an AEPS retailer
Complete KYC verification
Install required devices and software
Get training on using the platform
Start offering services to customers
Within a short time, retailers can begin earning and growing their business.
Handling Failed or Pending Transactions
Sometimes transactions may fail due to network issues or authentication errors.
Check transaction status on the dashboard
Verify transaction/reference ID
Wait for automatic reversal (usually within 24–72 hours)
Contact customer support if needed
Maintaining proper transaction records helps resolve issues quickly and ensures customer satisfaction.
The Future of AEPS in India
The Aadhaar Enabled Payment System is playing a vital role in advancing financial inclusion in India. It is bridging the gap between traditional banking and underserved populations.
No need for debit cards or smartphones
Easy access in rural and remote areas
Secure and instant transactions
Government-backed infrastructure
Continuous technological upgrades like face authentication
As digital payments continue to evolve, AEPS is expected to become even more widespread and essential.
Why Choose Ezeepay for AEPS Business?
When it comes to starting AEPS services, choosing the right platform is important.
Competitive commission structure
Advanced biometric + face authentication support
Fast and reliable transactions
Dedicated customer support
It is designed specifically to help retailers maximize their earnings while providing seamless services to customers.
The Aadhaar Enabled Payment System is transforming the way India accesses banking services. With the integration of biometric and face authentication, it has become more secure, efficient, and user-friendly.
For retailers, AEPS is more than just an additional service—it’s a powerful income-generating opportunity. By offering essential banking services, retailers can build trust, increase customer footfall, and create a steady revenue stream.
If you are looking to grow your business and stay ahead in the digital financial ecosystem, starting an AEPS business with Ezeepay is a smart and future-ready choice.
Frequently Asked Questions (FAQs)
Q1. What is AEPS? AEPS is a banking system that allows transactions using Aadhaar and biometric authentication.
Q2. Is biometric authentication required? Yes, fingerprint authentication is mandatory for most transactions.
Q3. What is face authentication? It is an advanced security feature that verifies identity using facial recognition.
Q4. How much can retailers earn? Retailers can earn up to ₹15 per transaction depending on volume and platform.
Q5. What is the transaction limit? Up to ₹10,000 per transaction and ₹50,000 per day (bank dependent).
