AePS
Enable Aadhaar-based banking with fingerprint authentication for cash withdrawals, deposits, balance enquiries and mini statements.
Discover AePS →Banking without boundaries
Move money.
Build trust.
Expand access.
Secure, scalable banking and payment infrastructure that helps you deliver essential financial services—from cash withdrawals and fund transfers to recharges and bill payments.
One connected platform. Essential financial services at scale.
iServeU Network● ● ●
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CONNECTED PAYMENTSSECURE
Instant transfers
IMPS enabled
IMPS enabled
Banking access
Across communities
Across communities
Security-focused infrastructure
Built to scale with your business
Services for villages to cities
Financial access, reimagined
Banking and payments, accessible to all.
iServeU is a digital payment service provider offering end-to-end solutions designed to make everyday financial services more accessible. Our connected suite helps banks, fintechs and agent networks reach more customers with essential banking and payment capabilities.
Integrate the services you need through a scalable infrastructure—without having to build the payment layer from scratch.
✓ Multiple payment services
✓ Web and mobile integration
✓ Agent-led service delivery
✓ Reach across communities
iServeU
AePS
mATM
IMPS
UPI & Bills
One platform. More possibilities.
Explore our products
Bring essential financial services closer to customers with solutions built for banks, fintechs, business correspondents and retailer networks.
mATM
Bring ATM-like services to rural and semi-urban areas with card-based cash withdrawals, balance enquiries and mini statements.
Discover mATM →IMPS
Offer real-time money transfers, 24x7x365, through a standard API for web and mobile applications.
Discover IMPS →UPI Cash Point
Turn authorized agents into cash dispensing points using dynamic QR-based UPI payments—without ATM infrastructure.
Discover UPI Cash Point →Recharge Wallet
Enable mobile recharges, DTH top-ups and utility bill payments through agent and retailer networks.
Discover Recharge Wallet →Build with iServeU
Bring the right services together for your business and create more ways for customers to access digital finance.
Discuss your needs →Solutions in detail
Infrastructure for everyday finance
Choose the capabilities that fit your network, customers and service model.
Aadhaar Enabled Payment System (AePS)
Enable Aadhaar-based banking without cards or PINs. iServeU's AePS solution lets banks offer account holders balance enquiry, cash withdrawal, cash deposit and mini statements through Aadhaar number and fingerprint authentication, verified by UIDAI in real time. Transactions are processed instantly, without requiring a card, PIN or branch visit.
Micro ATM (mATM)
Extend ATM-like services to rural and semi-urban areas without opening new branches or ATMs. Banks and fintechs can offer cash withdrawals using a debit card and PIN, balance enquiries and mini statements where ATMs and branches are limited. Web integration works with different web technologies and can display the mATM application in an iframe on your page.
Immediate Payment Service (IMPS)
Offer real-time money transfers, 24x7x365, through iServeU's standard IMPS API, built for web and mobile applications. Banks and fintechs can let agents, retailers and customers send money to any IMPS-enabled bank account without building the payment flow themselves.
UPI Cash Point
Enable UPI-based cash withdrawals without ATM infrastructure. Built on iServeU's UPI Switch, this solution lets banks, fintechs and BC networks turn bank-authorized agents into cash dispensing points. Customers pay through a dynamic QR-based UPI payment and receive cash, with no biometric devices, Aadhaar linkage or debit cards required.
Recharge Wallet
Offer mobile recharges, DTH top-ups and utility bill payments without building the payment layer yourself. Built on iServeU's prepaid wallet, the solution lets banks and fintechs turn agents and retailers into recharge and bill payment points. Retailers load the wallet, serve customers across operators and billers, and earn commission on every transaction, subject to the applicable programme terms.
Ready to bring more financial services within reach?
Tell us about your business and explore how iServeU's banking and payment solutions can support your next stage of growth.
Let's connect
Build your next payment experience.
Looking to integrate banking services, expand your agent network or explore payment APIs? Share a few details and start a conversation with our team.
Solutions for banks, fintechs and business networks
Integration options for web and mobile applications
Scalable infrastructure for essential financial services