Local shops can explore approved digital financial services to meet customer needs beyond traditional retail purchases. The right combination depends on customer demand, provider availability, authorization requirements, compatible devices and the shop’s ability to manage transactions responsibly.
Types of services to explore
AePS services
Where the retailer and provider are properly authorized, Aadhaar Enabled Payment System workflows may support eligible Aadhaar-authenticated banking transactions. Review the AePS service page and confirm the permitted transaction types and requirements.
Domestic money transfer
An approved domestic money transfer service can let customers initiate supported transfers to bank accounts. Retailers should understand recipient verification, limits, charges, status checks and escalation processes. Learn more on the DMT page.
Micro ATM services
A compatible approved Micro ATM may support specified card-based transactions. Before buying equipment, confirm device approval, service compatibility, fees and support arrangements. See Micro ATM services.
Recharge and bill payments
Providers may also offer mobile recharge and selected utility bill-payment workflows. Available operators, billers and payment methods vary. Confirm availability and understand the receipt, refund and complaint process before offering the service.
How to decide what suits your shop
Start with customer requests and local competition. Compare provider support, eligibility, device requirements, written charges, commission terms and settlement arrangements. Choose only services you can operate safely and support consistently.
Customer safety and day-to-day operations
- Use official accounts, apps and approved devices.
- Display applicable charges and confirm transaction details before submission.
- Protect customer personal information and authentication credentials.
- Check final status and follow official procedures for pending or failed transactions.
- Keep appropriate records and use the provider’s support channel for disputes.
Explore FCSPAY services
Visit the FCSPAY services page to review the portfolio, then explore the retailer program and partner onboarding. Confirm current availability, eligibility and written terms with FCSPAY before activating a service.
