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Digital Payments

Biometric Device for BHIM Aadhaar Pay

BHIM Aadhaar Pay - developed by NPCI - is a merchant payment platform that enables Aadhaar-based digital transactions without card, PIN or smartphone from customers. Mantra's UIDAI-approved fingerprint and iris scanners power this payment revolution at merchant POS terminals across India.

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UIDAI Approved

NPCI Certified

STQC Certified

ABOUT BHIM AADHAAR PAY

Card-free Payments Powered by Aadhaar Biometric Authentication

BHIM Aadhaar Pay was launched by NPCI (National Payments Corporation of India) to provide a convenient, prompt digital payment mode for merchants - enabling them to accept payments from customers through Aadhaar-linked bank accounts authenticated by fingerprint or iris. The customer does not need a debit card, credit card, smartphone or internet connection - just their Aadhaar number and a biometric scan.

Mantra's L1 RD Service certified biometric devices are widely deployed at merchant POS terminals for BHIM Aadhaar Pay transactions. Our devices enable merchants in retail, grocery, petrol stations, utilities, healthcare and agriculture sectors to accept secure digital payments from any Aadhaar-linked bank account - promoting financial inclusion across rural and semi-urban India.

PAYMENT FLOW

How BHIM Aadhaar Pay Transaction Works

Customer Provides Aadhaar

The customer provides their Aadhaar number to the merchant. The merchant enters it into the BHIM Aadhaar Pay application on their smartphone or POS device.

Biometric Authentication

Customer places their finger on the Mantra fingerprint scanner (or looks into the iris scanner). The device authenticates via UIDAI's encrypted L1 RD Service in real time.

Payment & Confirmation

On successful authentication, the payment amount is debited from the customer's Aadhaar-linked bank account and credited to the merchant - both parties receive SMS confirmation instantly.

KEY BENEFITS

Mantra Biometrics for BHIM Aadhaar Merchants

No Customer Smartphone Needed

Customers transact using only their Aadhaar number - no smartphone, app, card or PIN required, making payments accessible to all demographics.

Zero Chargeback Risk

Biometric authentication eliminates chargebacks and fraud - the transaction is confirmed only after genuine Aadhaar verification, protecting merchants.

Instant Settlement

Funds settle directly from the customer's bank to the merchant's bank - immediate credit with no intermediary float or settlement delay.

Zero Transaction Fees

BHIM Aadhaar Pay transactions carry zero MDR (Merchant Discount Rate) for merchants - making it the lowest-cost digital payment acceptance method.

Iris Fallback Mode

MIS100V2 iris scanner provides payment authentication for customers with fingerprint difficulties - ensuring no customer is turned away.

Any Merchant, Any Location

Compact USB device works on Android tablets and smartphones - enabling BHIM Aadhaar Pay at kirana stores, roadside vendors and rural shops.

RECOMMENDED DEVICES

Mantra Devices for BHIM Aadhaar Pay

Discover our range of STQC certified, Aadhaar-compliant devices for secure fingerprint or iris-based digital payment authentication at merchant terminals.

OEM AVAILABLE

L1 Fingerprint Scanner MFS110

The MFS110 is the most widely deployed fingerprint scanner for BHIM Aadhaar Pay merchant terminals. UIDAI L1 certified with broad OS support for merchant POS setups.

Scratch-free Sensor surface

High-speed USB 2.0 Interface

Auto-capture NIST Quality Check

WHQL Certified Device Driver

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MIS100 V2 Iris Scanner

For BHIM Aadhaar Pay customers with fingerprint challenges, the MIS100V2 provides seamless iris-based payment authentication, ensuring transaction security.

Lowest FAR & FRR High Security

STQC Certified Government Approved

Multi-Platform Windows, Linux, Android

Auto-Capture Iris Processing

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FAQ

Questions on BHIM Aadhaar Pay

Everything merchants need to know about setting up BHIM Aadhaar Pay with Mantra biometric devices.

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What is BHIM Aadhaar Pay?

BHIM Aadhaar Pay is a merchant payment interface developed by NPCI that enables merchants to accept digital payments from customers via Aadhaar biometric authentication. The customer provides their Aadhaar number and authenticates with a fingerprint or iris scan - no debit card, credit card, OTP, PIN, or smartphone needed on the customer's side.

Does the customer need a smartphone for BHIM Aadhaar Pay?

No. The customer only needs to provide their Aadhaar number (remembered or on Aadhaar card) and authenticate with their biometric. The merchant's device (smartphone/tablet with BHIM Aadhaar Pay app and a Mantra biometric scanner) handles the entire transaction - making it accessible to feature phone users and senior citizens.

Is BHIM Aadhaar Pay free for merchants?

Yes. BHIM Aadhaar Pay carries zero MDR (Merchant Discount Rate) - there are no per-transaction fees for merchants. The only cost is the one-time investment in a UIDAI-approved biometric device (such as Mantra MFS110) and a merchant app registration.

Which banks support BHIM Aadhaar Pay?

BHIM Aadhaar Pay is supported by all Aadhaar-linked bank accounts across major public and private sector banks in India - including SBI, PNB, Bank of Baroda, Axis Bank, HDFC Bank and over 100 other banks that are part of the NPCI ecosystem.

Accept BHIM Aadhaar Pay at Your Business

Set up Mantra's UIDAI-approved biometric scanner at your merchant POS terminal and start accepting zero-fee BHIM Aadhaar Pay transactions from any customer.

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