Assisted banking
Authorized operator-led Aadhaar-enabled banking services with daily authentication, customer consent, biometric capture and provider response.
View AEPS services →
Assisted banking • distinct from bill payments
AEPS Assisted Banking
QarAh Pay provides a dedicated Aadhaar-enabled assisted-banking journey for authorized operators. Supported services include cash withdrawal, balance enquiry, mini statement, Aadhaar Pay and cash deposit, subject to onboarding, authentication, customer eligibility and bank/provider availability.
Authorized operatorsDaily authenticationFresh customer consentConfirmed transaction outcome
Service familyAssisted BankingSeparate from Bharat Connect / BBPS bill payments
Cash WithdrawalBalance EnquiryMini StatementAadhaar PayCash Deposit
Clear service boundary
AEPS and BBPS are separate journeys
QarAh Pay keeps assisted banking and bill payments clearly separated so operators use the correct transaction flow, customer data and operational controls.
Bill payments & recharges
Dedicated biller journeys for utilities, FASTag, DTH, mobile, insurance, education, loan repayment and related bill-payment categories.
View bill-payment services →AEPS service coverage
Supported assisted-banking services
Each service uses a guided, operator-assisted transaction flow with clear status, references and customer-support visibility.
Cash Withdrawal
Request an Aadhaar-enabled cash withdrawal and hand over cash only after a confirmed successful provider response.
Balance Enquiry
Retrieve the available balance for an eligible Aadhaar-linked bank account through an assisted customer journey.
Mini Statement
Request recent account activity with transaction-reference and outcome visibility for the operator and customer.
Aadhaar Pay
Support Aadhaar-enabled merchant payment journeys where the configured bank/provider route is available.
Cash Deposit
Support assisted cash-deposit workflows through the applicable configured banking route and provider controls.
Controlled transaction journey
How the AEPS flow works
The website explains the service; actual transactions are completed only inside the authenticated QarAh Pay platform by authorized users.
Merchant onboarding
The operator must be onboarded and enabled for the appropriate AEPS banking route.
Daily authentication
The authorized merchant completes the required daily authentication before customer transactions.
Customer consent & bank
The operator records consent, enters the required customer reference and selects the customer’s bank.
Fresh biometric capture
A fresh registered-device biometric capture is completed for the current customer and transaction attempt.
Provider outcome
The operator reviews the confirmed response, reference and receipt before completing the customer interaction.
Operational safeguards
Customer cash follows the confirmed result
Bank and provider responses are authoritative. Failed, pending or unknown outcomes must not be treated as successful transactions.
Authorized platform access
Open AEPS through the secure QarAh Pay workspace
The public website does not collect Aadhaar numbers, biometric data, OTPs or banking credentials. Authorized operators continue through the authenticated QarAh Pay platform.