The government of India has launched Aadhaar Payment App that is based on Unified Payment Interface (UPI). The Aadhaar Payment App is very simple, and you don’t have to download any Wallet apps or remember complex passwords.

The UPI app is very secure, and you don’t have to worry about security, passwords being stolen or account getting hacked. The Aadhaar Payment UPI App will fetch the user’s Aadhar card details and the linked bank account details.

Also, biometric scans (Retinal or Fingerprint) will be used by the merchants for further authentication. So, you can make the purchases and transactions directly using your Aadhar number with the help of UPI Aadhaar Payment App.

With the Aadhaar Payment app, there will be no convenience fee or transaction charges both for the customers and merchants.

Note: Make sure that you have linked your Bank account with your Aadhar card.

Aadhaar Payment App is available for both the consumers and merchants. The Consumer App is just like other UPI apps, but it is linked with your Aadhar card.

In Digital Wallets like Paytm, Freecharge, and Mobikwik, Both the consumer and merchant should have the App installed on their smartphone to transact the payments. But In the Aadhaar Payment App, customers don’t have to install the App on their smartphone to make payments.

How to receive Payments via Aadhar Payments App?

In order to receive the Payments, Merchants need an Android Smartphone and a biometric scanner.

When a consumer makes a purchase, they just have to share their Aadhar card number and select the linked bank account. Users also need to provide his/her fingerprints to authenticate the payment.

In case, you have two accounts in the same bank, when your link your accounts with the Aadhar card, you have to choose a primary account that will be used for the Aadhar based transactions.

The Best thing about the Aadhaar Payment App is, there will be no transaction fee. Financial services companies like Master Card and Visa charge a nominal fee for transactions which is the reason why small merchants and vendors are not using them.

Now, with the Aadhar Payment UPI App, more number of retailers will switch to digital payments as the Aadhar Based Payment is simple and affordable to even shopkeepers in villages and rural areas.

As of now, more than 40 crore Aadhar numbers are already linked to the respective user’s bank accounts. Unique Identification Authority of India (UIDAI) CEO Ajay Bhushan said that they are planning to connect all the Aadhar numbers with bank accounts by March 2017.

If you have any queries about the Aadhar Payment App or how to make payments using Aadhar number, post them in the comments section below and I’ll answer them.


    • For now, you can buy the biometric fingerprint scanner online at Amazon, Flipkart or at local market. Cost is around 3000-4000 rupees. Government is planning to provide them at a subsidized price.


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