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Biometric Micro ATM for Aadhaar Enabled Payment System (AePS)

AePS (Aadhaar Enabled Payment System) allows any Aadhaar-linked bank account holder to perform banking transactions - cash withdrawal, balance inquiry, mini statement and fund transfer - using only their Aadhaar number and fingerprint at a banking correspondent Micro ATM. Mantra's UIDAI-approved biometric devices power AePS across India.

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UIDAI Approved

NPCI Certified

RBI Compliant

ABOUT AePS

Banking at Your Doorstep with Aadhaar Fingerprint

AePS (Aadhaar Enabled Payment System) is an NPCI-developed payment service that uses the Aadhaar identity infrastructure to enable banking services at the last mile - through Business Correspondents (BCs) equipped with a Micro ATM (a POS-like device) and a biometric scanner.

Micro ATMs work similarly to a traditional ATM - offering cash withdrawal, cash deposit, balance enquiry, mini statement and inter-bank fund transfers - but require no debit card or PIN. Instead, customers authenticate using their Aadhaar-linked bank account via a fingerprint scan. This is transformational for rural India where traditional ATMs are scarce and banking penetration is low.

Mantra's MARC10 / MARC11 Micro ATM devices and MFS110 fingerprint scanners are deployed by leading banks and MFIs for AePS banking correspondent operations - bringing formal financial services to unbanked populations.

AePS TRANSACTION FLOW

How AePS Micro ATM Transaction Works

Customer Presents Aadhaar

The customer provides their Aadhaar number (UID) and selects the transaction type - cash withdrawal, balance check, mini statement or fund transfer.

Biometric Authentication

Customer places their fingerprint on the Mantra scanner connected to the BC's Micro ATM. UIDAI authenticates the identity through the encrypted L1 RD Service.

Transaction & Settlement

On successful authentication, the transaction is processed through NPCI's AePS switch - cash is dispensed by the BC and the customer's Aadhaar-linked account is debited immediately.

KEY BENEFITS

Why Mantra for AePS Banking Correspondents?

All Bank Accounts Supported

AePS works with any Aadhaar-linked account across 100+ banks in India - one device serves customers of SBI, PNB, HDFC, Axis and all others.

Highest Accuracy Authentication

MFS110's advanced optical sensor handles elderly and callused fingerprints - ensuring maximum first-attempt success rates for BC transactions.

Encrypted Biometric Transmission

All biometric data is encrypted end-to-end via UIDAI's L1 RD Service - meeting RBI and NPCI security mandates for financial transactions.

Android BC Device Compatible

Connects via USB OTG to Android smartphones - enabling BCs to operate from a single affordable smartphone + biometric scanner setup.

DBT & Government Benefits

AePS is the standard channel for Direct Benefit Transfer (DBT) disbursements - MGNREGA wages, PM-Kisan, NSAP pensions - delivered directly to beneficiaries.

Rural Coverage

BC-operated Micro ATM with Mantra biometric scanner reaches villages where traditional banks and ATMs are absent - extending financial access to all.

RECOMMENDED DEVICES

Mantra Devices for AePS Micro ATM

Discover our range of STQC certified, Aadhaar-compliant devices for secure fingerprint or iris-based banking transactions at the last mile.

OEM AVAILABLE

L1 Fingerprint Scanner MFS110

Widely deployed fingerprint scanner for AePS banking correspondent operations. UIDAI L1 certified with USB/OTG support for Android BC devices.

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

Iris-based AePS authentication for BC customers with fingerprint challenges - ensuring every account holder can access their banking services securely.

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 AePS Micro ATM Biometrics

Answers to common queries about setting up and operating AePS banking correspondent services with Mantra biometrics.

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What is AePS (Aadhaar Enabled Payment System)?

AePS is an NPCI-developed banking payment system that uses Aadhaar biometric authentication to allow individuals to access their bank accounts - irrespective of which bank they hold the account with - through a banking correspondent equipped with a Micro ATM and biometric scanner. Services include cash withdrawal, balance inquiry, mini statement and fund transfer.

Does the customer need to know their account number for AePS?

No. The customer only needs to remember their Aadhaar number (12 digits) and provide their fingerprint. The AePS system uses their Aadhaar-linked bank account - there is no need to know the account number, IFSC code, PIN or password.

Which banks support AePS transactions?

AePS works with accounts at over 100 scheduled commercial banks in India that have seeded their customers' Aadhaar numbers - including SBI, PNB, BOI, BOB, Canara Bank, Axis, HDFC, ICICI, IDBI, UCO Bank and all major RRBs (Regional Rural Banks) and cooperative banks.

Can Mantra MFS110 work with any AePS application?

Yes. Mantra MFS110 supports the UIDAI L1 RD Service API which is the standard interface for all AePS applications from banks, fintech companies, NPCI-approved BCs and Microfinance Institutions. No custom integration is required - it works with all AePS apps on Android and Windows out of the box.

Deploy AePS Micro ATM at Your Banking Correspondent

Equip your BC agents with Mantra's UIDAI-approved biometric scanners for AePS cash withdrawal, DBT disbursement and banking services at the last mile.

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