Starpe AePS — Aadhaar Enabled Payment System

Starpe AePS — Aadhaar Enabled Payment System

Seamless, secure, and government-backed digital banking using Aadhaar authentication through Micro ATMs and Business Correspondents — no card, no queues.

Explore Features Supported Transactions
Instant • Paperless • Interoperable
Micro ATM and biometric payment

Key Features

Built to drive financial inclusion across India — AePS connects rural and urban communities through bank-led BC networks and biometric Aadhaar authentication.

Aadhaar Authentication

Authenticate transactions using Aadhaar number + fingerprint — simple and secure.

Interoperable BC Network

Operates through any bank's Business Correspondents — broad reach, single integration.

Cardless & Instant

No physical card or branch visit required — instant, paperless banking.

Secure & Government-backed

Built on government-supported Aadhaar authentication standards with strong security controls.

Paperless Experience

Digital receipts and instant confirmations — reduce paperwork for everyone.

Inclusive by Design

Designed to reach underserved populations — low data and device requirements.

Supported Transactions

Starpe AePS supports the essential set of six transactions that customers need for everyday banking via Micro ATMs and BCs.

  • Cash Withdrawal
    Withdraw cash instantly from your bank account using Aadhaar + biometrics.
  • Cash Deposit
    Deposit funds directly into an account via authorized BC agents.
  • Balance Enquiry
    Quickly check account balance using Aadhaar-linked authentication.
  • Aadhaar-to-Aadhaar Fund Transfer
    Transfer funds using the recipient's Aadhaar number — fast and paperless.
  • Mini Statement
    Get a short transaction history instantly at the PoS device.
Business Correspondent using PoS

Empower customers with Starpe AePS

Make every Aadhaar number a gateway to financial freedom — integrate AePS into your network today.

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How AePS Works

  1. User approaches BC/PoS and shares Aadhaar number.
  2. BC initiates AePS transaction on Micro ATM — Aadhaar and bank are selected.
  3. User authenticates with fingerprint on biometric device.
  4. Transaction is authorized and processed by the bank, with instant confirmation.

All transactions follow regulatory and security checks as per UIDAI and participating bank guidelines.