AePS (Fingpay) — Cash Withdrawal

Aadhaar-enabled cash withdrawal: one-time agent activation and eKYC, daily KYC, a transaction OTP for amounts above ₹5,000, then the biometric withdrawal.

Product & pricing: AePS Cashout

1. 1
   PUTActivate AePS Fingpay for Agent

   One-time

   One-time activation of AePS Fingpay for the agent.

2. 2
   POSTSend OTP (eKYC)

   One-time

   One-time eKYC step 1 (agent onboarding, not per transaction): OTP to the agent's Aadhaar-linked mobile.

3. 3
   PUTVerify OTP (eKYC)

   One-time

   One-time eKYC step 2 (agent onboarding): verify the OTP with the otp_ref_id and reference_tid from step 1.

4. 4
   PUTBiometric eKYC

   One-time

   One-time eKYC step 3 (agent onboarding): the agent's biometric PID completes eKYC.

5. 5
   PUTDaily KYC

   Daily

   Daily KYC — biometric-only, repeated once per calendar day before the agent's first transaction.

6. 6
   POSTCash Withdrawal OTP

   Only if amount > ₹5,000

   Otherwise skip to step 7.

   Generate the transaction OTP: the customer receives a 6-digit OTP by SMS on their Aadhaar-linked mobile, and the response returns `fp_transaction_id`. Generate a fresh one for every withdrawal attempt — it is never reusable.

7. 7
   POSTAePS Cash Withdrawal

   Perform the biometric Aadhaar-enabled cash withdrawal. Above ₹5,000, send the `fp_transaction_id` as `txn_otp_request_id` AND put the customer's SMS OTP in the PidOptions `otp` attribute before the fingerprint capture — two different values, both required. A `response_type_id` of 1459 means the OTP step was skipped and nothing was withdrawn. Persist `tid`; on Pending (1465) reconcile via Transaction Inquiry before any retry.

   If status is 0 — the flow is complete.

Flow at a glance