What is AEPS and why every kirana store should offer it

AEPS (Aadhaar Enabled Payment System) is an NPCI-built payment rail that lets a customer transact using only two things: their Aadhaar number and their fingerprint. No debit card, no PIN, no smartphone needed. For crores of Indians in small towns and villages, that is the difference between travelling to a bank branch and getting cash at the shop next door.

For a retailer, offering AEPS means becoming the neighbourhood banking point. Customers can withdraw cash, deposit money, check their balance and take a mini statement — and the retailer earns a commission on every successful transaction.

Getting started is simple: complete your KYC on the Just Payon panel, connect a certified biometric device, and you are live. Every transaction is authenticated in real time against the bank, and settlement lands directly in your wallet.

The best part is footfall. A customer who walks in to withdraw cash also buys from your store. AEPS does not just add a new income line — it grows your core business too.

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