In today’s time, shopkeepers and small business owners are not just selling products – they are also becoming local banking service providers. Thanks to the Aadhaar Enabled Payment System (AEPS), any retailer can now offer basic banking services like cash withdrawal, balance check, and mini statement directly from their shop. For this, all you need is a smartphone, a biometric device, and a good AEPS app. These AEPS apps are not just useful for giving services – they also help retailers earn extra income on every transaction. Whether it’s a ₹10 or ₹15 commission per withdrawal, it quickly adds up and boosts daily earnings.
AEPS is especially useful for small shopkeepers in villages, towns, and semi-urban areas where banks and ATMs are not easily available. Customers visit their nearby kirana or mobile shop for banking needs, and in return, the retailer earns commission without investing much. It’s a smart way to increase footfall, offer value-added services, and grow your income daily. But with so many apps in the market, choosing the right one is important. In this blog, we’ll help you find the best AEPS app for retailers that gives high commission, fast settlement, and smooth service – so you can earn more and serve better.
How AEPS Apps Work
Using Aadhaar Number and Fingerprint for Banking
AEPS apps use Aadhaar-based authentication to offer banking services. Here’s how the entire process works, step-by-step, in simple and clear pointers:
- Customer visits the shop: A customer who wants to withdraw cash, check their balance, or get a mini statement comes to the retailer’s shop.
- Retailer opens the AEPS app: The shopkeeper logs into the AEPS-enabled app on their smartphone or tablet.
- Aadhaar number is entered: The retailer enters the customer’s 12-digit Aadhaar number in the app.
- Bank selection: The customer’s bank name is selected from the list shown in the app. This is important because AEPS works only with Aadhaar-linked bank accounts.
- Fingerprint authentication: The customer is asked to place their finger on the biometric device (like Morpho or Mantra). The fingerprint is verified with UIDAI (Aadhaar) records to confirm identity.
- Transaction is processed: Once the fingerprint is matched successfully, the selected transaction (cash withdrawal, balance inquiry, or mini statement) is processed through the app.
- Instant confirmation: The app shows a transaction success/failure message instantly, and in many apps, a digital slip or SMS is also generated for the customer.
- No card or PIN required: The entire process is done without any ATM card, debit card, or PIN, which makes it very easy for people who are not familiar with digital banking.
- Secure and reliable: Since it uses biometric verification, it is considered highly secure. Only the account holder can authorize a transaction.
This process allows even those in remote or rural areas to access their bank accounts easily – using just their Aadhaar and fingerprint.
Services Available Through AEPS
AEPS apps let small shopkeepers help people with simple banking tasks. All they need is the customer’s Aadhaar number and fingerprint. Here are the main things you can do with AEPS:

- Cash Withdrawal:
Customers can take out cash from their bank account at your shop. You just enter their Aadhaar number and verify their fingerprint. This is very helpful when there are no ATMs nearby. - Balance Check:
Customers can ask you to check how much money they have in their bank account. The AEPS app shows the balance in seconds. - Mini Statement:
Customers can get a list of their recent bank transactions. This helps them see where money was sent or received. - Works for Any Bank:
AEPS works with any bank linked to Aadhaar. So, customers don’t need to go to their own bank branch. - No Internet or SMS Needed:
Many people don’t use internet banking or get bank messages. AEPS lets them do banking easily from your shop. - Fast and Easy:
Transactions happen quickly. Some apps also give a printed or digital receipt.
With AEPS, your shop can become a local banking point. You help your customers and earn extra money at the same time.
Benefits of Using AEPS App for Retailers
Using an AEPS app can bring many advantages to small shopkeepers and retailers. Here’s how it helps you grow your business and earn more:
- Extra Income Through Commission:
Every transaction done through the AEPS app earns you a small commission from the bank or service provider. Whether it’s a cash withdrawal or balance check, you get paid. Over time, these commissions add up and become a good extra income source. - Attract More Customers:
Offering AEPS services brings more people to your shop. Customers often prefer to do banking tasks nearby instead of going far to a bank or ATM. More customers mean more chances to sell your regular products too. - Easy to Use with Mobile Phone and Fingerprint Device:
AEPS apps are designed to be simple and user-friendly. You only need a basic smartphone and a fingerprint scanner. You don’t have to be a tech expert – the app guides you through every step. - Helps in Rural and Semi-Urban Areas with Less Banking Access:
Many people in villages and small towns don’t have easy access to banks or ATMs. With AEPS, your shop becomes a mini-bank for them. You provide a valuable service that helps the community and builds trust.
By using AEPS apps, retailers not only help their customers with banking needs but also boost their own earnings and grow their business.
Features to Look for in the Best AEPS App
Choosing the right AEPS app is important for smooth and reliable service. Here are some key features you should look for in the best AEPS app:
- Fast and Secure Transactions:
The app should process transactions quickly without delays. Security is also very important because you’re dealing with money and personal data. Look for apps that use strong security measures to keep all transactions safe. - Support for Multiple Banks:
The app should work with many different banks, so you can serve more customers no matter which bank they use. This makes your service useful to a wider group of people. - Low Failure Rate:
Sometimes transactions fail due to technical issues. The best AEPS app has a low failure rate, meaning it completes most transactions successfully without errors. This builds trust with your customers. - 24/7 Customer Support:
Good customer support helps you solve any problems quickly. Look for apps that offer round-the-clock help via phone, chat, or email so you’re never stuck when you need assistance. - Recharge and Bill Payment Options Included:
Some AEPS apps also let you do mobile recharges and pay utility bills. These extra features attract more customers and help you earn more commissions.
Choosing an AEPS app with these features will make your business easier, faster, and more profitable.

Top AEPS Apps for Retailers in India — Comparison Table
Top AEPS Apps for Retailers in India — Comparison Table
Feature | Biznext | PayNearby | Ezeepay | Spice Money |
---|---|---|---|---|
App Name | Biznext Retail AEPS | PayNearby Retailer – आधार एटीएम | EzeePay – Sabse Ezee | Spice Money – Adhikari AEPS |
App Rating (Play Store) | 4.2 stars (approx.) | 3.3 stars | 4.0 stars | 4.4 stars |
Downloads (Play Store) | 50,000+ (approx.) | 3,500+ | 500,000+ | Not specified |
Commission (AEPS) | ₹0.50 to ₹10.00 approx. | ₹0.25 to ₹9.00 | ₹1.00 to ₹10.00 | ₹0.25 to ₹9.00 |
Additional Services | AEPS, BBPS bill payments, micro ATM, recharge, DMT | Recharge, Bill Payments, DMT | Recharge, Bill Payments, Insurance, Travel, Neo Banking | mATM, DMT, Bill Payments, Loans |
Ease of Use | Simple interface, fast transactions | User-friendly | Wide range of services | Rural-focused, accessible |
Network Reach | Over 5 lakh retailers | Over 50 lakh retailers | Over 5 lakh agents | Over 1.4 million Adhikaris |
Customer Support | 24/7 dedicated support | 24/7 support | 24/7 support | 24/7 support |
Website | biznext.in | paynearby.in | ezeepay.app | spicemoney.in |
How to Register and Start Using an AEPS App
Documents Required
To start using an AEPS app, you will need a few important documents:
- Aadhaar Card: Your Aadhaar number is essential for authentication.
- PAN Card: Sometimes required for KYC and banking purposes.
- Bank Account Details: The bank where your Aadhaar is linked for transactions.
Steps to Register
- Download the AEPS app from the Play Store or App Store.
- Sign up by entering your mobile number and verifying it with an OTP.
- Fill in your personal details like name, Aadhaar number, and bank details linked to Aadhaar.
- Upload necessary documents like Aadhaar and PAN if asked.
- Create a secure password or PIN to protect your account.
- Submit your application for approval, which usually happens quickly.
How to Connect Biometric Device
To verify transactions, AEPS apps use biometric devices to scan fingerprints. Here’s how to connect:
- Plug the biometric fingerprint scanner into your smartphone or tablet (usually via USB or OTG cable).
- Open the AEPS app and go to device settings.
- Select Connect Biometric Device and allow necessary permissions.
- Place your finger on the scanner when prompted during transactions for fingerprint authentication.
Tips for Retailers to Earn More with AEPS
- Promote AEPS Services to Customers
Tell your customers about the convenience of AEPS for cash withdrawal, balance checks, and mini statements. When more people use AEPS at your shop, your earnings increase through commissions. - Offer Other Services Like Recharge and Bill Payments
Many AEPS apps also allow you to provide mobile recharge, electricity bill payments, and other services. Adding these services helps attract more customers and boosts your daily income. - Maintain Good Service and Build Trust
Always provide quick and friendly service. When customers trust your shop for secure and smooth AEPS transactions, they will keep coming back and recommend your shop to others.
Also read – महा ई-सेवा केंद्र नोंदणी (Maha E Seva Kendra Registration)
Common Questions (FAQ)
Is AEPS safe?
Yes, AEPS is very safe. It uses your Aadhaar number and fingerprint for secure authentication. Transactions are protected by strong encryption, so your money and information stay secure.
Can I use AEPS without a shop?
Yes, you can use AEPS without a physical shop if you have a smartphone and biometric device. Many agents work from home or move around to provide services.

What is the commission structure?
Commission varies by app and transaction type. Usually, you earn between ₹0.25 to ₹10 per transaction like cash withdrawal or balance check. Some apps offer extra earnings for bill payments and recharge services.
Conclusion
AEPS apps offer a fantastic opportunity for small retailers to earn extra income easily. By providing quick and secure banking services like cash withdrawal, balance check, and mini statements, you can attract more customers to your shop. AEPS also helps people in rural and semi-urban areas who have limited access to banks.
If you are a small shopkeeper or retailer looking to grow your business with minimal investment, starting with an AEPS app is a smart choice. Try it today and watch your earnings and customer base grow steadily.
Also read – Digital Gramin Seva
