How it works

From sign-up to your first transaction, and what happens at the counter during an AEPS withdrawal.

Becoming a retailer

Everything is online. Each step is saved, so you can leave and come back.

Sign up with your mobile number
Enter your number and confirm it with an OTP sent by SMS.
Add your email
Confirm it with a second OTP. We use it for statements and security alerts.
Verify your PAN
Enter your PAN. Your name is filled in from it, so you do not type it.
Verify your Aadhaar through DigiLocker
You approve the check yourself. We keep only a reference and the last 4 digits of your Aadhaar number.
Choose a distributor
Enter the distributor code you were given. If you have none, you are linked to a default distributor.
Set your password and transaction PIN
The password opens your panel. The PIN confirms each payment.
Add money to your wallet
Services are paid from your wallet balance. Start serving customers once it is funded.

The same five steps each time. Customers stay in control of the amount and the fingerprint.

The customer gives their Aadhaar number
They also tell you which bank their account is with.
You choose the service and enter the amount
Withdrawal, balance enquiry or mini statement.
The customer checks the amount
They read it on the screen before going further.
The customer places a finger on the device
Their bank approves or declines the request.
You pay out cash and hand over the receipt
Only after the panel shows success.

You. You serve customers at your counter and earn a commission on each successful transaction.

Looks after a group of retailers in an area. You can enter their code when you sign up.

Runs the services, verifies accounts and keeps the ledger. Each of the three has its own separate panel.