What Is BHIM Aadhaar Pay?

byPaytm Editorial TeamLast Updated: August 20, 2025
BHIM Aadhaar Pay lets shopkeepers receive payment from customers using just their Aadhaar number and fingerprint—no card or mobile app needed. Both merchant and customer must have Aadhaar linked to a bank account. Transactions happen right away and are secure.
Linking Aadhaar to NPCI

How BHIM Aadhaar Pay Works

  • Customers visit a store and give their Aadhaar number.
  • Shopkeeper enters bank details via the BHIM Aadhaar Pay app on an Android device.
  • Customer scans fingerprint on a certified biometric scanner.
  • The system authenticates via Aadhaar, and money moves instantly between accounts

Main Features of BHIM Aadhaar Pay

  1. Biometric Payments: Customers pay using Aadhaar and fingerprint—no cash, card, or PIN needed.
  2. Works with Any Bank: A merchant registered on any acquiring bank can accept payment from any Aadhaar-linked customer’s bank account.
  3. Required Tools:
    • Android device (or POS/mPOS/Tablet) with BHIM Aadhaar Pay app
    • Certified fingerprint scanner connected via USB
    • Aadhaar-linked bank account
  4. No Smartphone Needed for Customers: Payments work even if customers don’t have a smartphone—only their Aadhaar-linked account and fingerprint are required.
  5. Fast and Secure: The fingerprint check ensures safety; payment happens immediately with confirmation messages.

    Who Can Use It?

    • Merchants must install the app, link Aadhaar and bank account, and use a biometric scanner.
    • Customers only need Aadhaar-linked bank accounts—no app or smartphone necessary.

    Why BHIM Aadhaar Pay Matters

    • Helps people in rural or semi‑urban areas pay digitally
    • Enables cashless transactions for customers without mobile apps or cards
    • Supports financial inclusion by bridging digital gaps
    • Safe and interoperable across banks

    Author

    Paytm Editorial Team

    The Paytm Editorial Team is a collaborative group of writers, editors, and industry experts. We're dedicated to bringing you the latest insights, news, and guides on digital payments, financial services, and the technology that's shaping India's economy. We offer easy-to-follow guides and insights to help you explore Paytm’s products, features, and services. Our goal is to provide clear, reliable, and helpful information to empower you on your financial journey.

    FAQs

    What is BHIM Aadhaar Pay?

    It is a payment method where customers pay merchants using their Aadhaar number and fingerprint. The merchant uses the BHIM Aadhaar Pay app on an Android device to complete the payment.

    Do both merchants and customers need Aadhaar accounts?

    Yes—both must have their Aadhaar linked to their bank accounts to use the service.

    What does a merchant need to accept BHIM Aadhaar Pay?

    They need an Android phone or tablet with the BHIM Aadhaar Pay app, a certified fingerprint scanner (USB), and an Aadhaar-linked bank account.

    Is any app needed for the customer?

    No. Customers only need their Aadhaar-linked bank account; they don’t need to install an app.

    Is BHIM Aadhaar Pay safe?

    Yes—payment is authorized by fingerprint authentication and processed immediately. Both parties get a confirmation SMS.
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