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ARTICLE · 25 JULY 2025

RBI Releases Guidelines For Due Diligence Of AEPS Touchpoint Operators

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Following multiple reports on identity theft and compromise of customer credentials in the use of Aadhaar enabled Payment System, the Reserve Bank of India has issued guidelines under Section 18 read with Section 10(2) of the Payment and Settlement Systems Act, 2007 on ‘Aadhaar Enabled Payment System.

IndiaFinance and Banking
Harsh Walia
Harsh Walia
Rupendra Gautam
Rupendra Gautam
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Background

Following multiple reports on identity theft and compromise of customer credentials in the use of Aadhaar enabled Payment System (AePS), the Reserve Bank of India (RBI) has issued guidelines under Section 18 read with Section 10(2) of the Payment and Settlement Systems Act, 2007 on 'Aadhaar Enabled Payment System – Due Diligence of AePS Touchpoint Operators' on 27 June 2025 (Guidelines) to protect customers' interest.

AePS was launched with the objective to promote financial inclusion and enable secure and interoperable digital transactions, particularly for rural populations in India residing in remote locations with limited ATMs and bank branch access. As a result, individuals in the remotest parts of the country can now withdraw money from a local shop (which is designated as an AePS Touchpoint Operator (ATO)) by providing their Aadhaar number and biometrics on the operator's micro–ATM. To clarify, ATOs are the individuals appointed by the acquiring

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