Card-free banking with Aadhaar and a fingerprint
Jointpay's AEPS API lets your agents and retailers offer cash withdrawal, cash deposit, balance enquiry and mini statements using only an Aadhaar number and biometric authentication — no cards, no PINs.
Smart withdrawals, anywhere in India
Customers withdraw cash instantly using their Aadhaar number and fingerprint. We bring banking access to every corner of the country, so your customers can reach their money anytime, with confidence.
- No debit card or PIN required
- Works with certified biometric devices
- Instant confirmation with bank reference
Real-time balance checks, in seconds
Let customers check their bank balance instantly with Aadhaar-based authentication. Fast, secure and easy to integrate — real-time account information with just an Aadhaar number and fingerprint.
- Live balance straight from the issuing bank
- No passwords or mobile banking needed
- Ideal before every withdrawal
A quick view of account activity
Give customers instant access to their recent transactions. Our Aadhaar-enabled Mini Statement API retrieves the latest account activity in seconds, helping users stay financially aware.
- Latest transactions from the customer's bank
- Clean, structured API response
- Builds trust at the retail counter
Everything an AEPS network needs
From merchant onboarding to settlement, the platform handles the operational detail so you can focus on growing your network.
Merchant eKYC & 2FA
Digital merchant onboarding with eKYC and two-factor authentication, as required by banking partners.
Multi-bank routing
Route transactions across banking partners per merchant to maximise success rates and keep services running during downtime.
Three-way reconciliation
Automated matching between platform, bank and switch records, with clear handling of pending and reversed transactions.
Real-time webhooks
Instant callbacks to your servers for every status change, so your app and ledger are always in sync.
Slab-based commissions
Configure commissions by amount slab and merchant tier, with automated TDS calculation on earnings.
Reports & dashboards
Transaction, settlement and commission reports for both your admin team and your merchants.
From fingerprint to cash in four steps
A simple, consistent flow for agents and customers at every touchpoint.
Customer details
The agent enters the customer's Aadhaar number, bank and amount.
Biometric capture
The fingerprint is captured on a certified device and encrypted.
Bank authentication
The request is authenticated and processed by the customer's bank.
Instant confirmation
The agent receives the response, receipt and webhook in real time.
Other products on the platform
Launch AEPS for your network
Get sandbox access, API documentation and dedicated integration support.