AADHAAR Enabled Payment System (AEPS) is to empower a bank customer to use AADHAAR to access his/her AADHAAR – enabled bank account and perform basic banking transactions that are intra-bank or interbank in nature through a business correspondent. It serves another important goal of RBI in electrification of retail payments. It would enable banks to route the AADHAAR -initiated interbank transactions through a central switching and clearing agency. It would facilitate disbursements of government entitlements like NREGA, social security pension, handicapped old age pension, etc, of any central or state government bodies, using AADHAAR and authentication thereof as supported by UIDAI. Another important goal AADHAAR Enabled Payment System (AEPS) serves is to facilitate inter-operability across banks in a safe and secured manner. AADHAAR Enabled Payment System (AEPS) allows online interoperable financial inclusion transaction at PoS (MicroATM) through the Business correspondent of any bank using the AADHAAR authentication.

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