Finally, the government has come up with one solution of all those problems that you often faced while making any transaction.

Christened as Aadhar Pay, the application has been designed by IDFC Bank in association with Unique Identification Authority of India (UIDAI) and the National Payments Corporation of India (NPCI).

It goes without saying that the app has been introduced virtually to give a big push to the cashless transactions, but, this can be done with many other sources as well. What is different with it then?

Confused! Don’t be. Below mentioned all about the Aadhar Pay, do have a look.


It is an Aadhaar-linked cashless solution that uses the retailer’s smartphone to enable digital payments. This works on Android smartphone.

Well, there are two sides of this app – one is the Consumer App and the other one is the Merchant App. The former is somewhat a replica of the other mobile wallet, which is registered with your Aadhaar card in this case to make a quick online transaction.

The latter is something interesting. As the name implies, it is for the merchant which can be activated with an Android based phone and of course an Aadhar Card linked with your bank account and a biometric scanner.

Note: Your Aadhar Card must be associated with your account with which you want to activate your merchant account. So, just visit your nearby branch if it isn’t linked.

Once activated, the whole process of making any payment will become so easy. With a simple biometric scan, merchant can get the payment with any consumer who is registered into the Aadhar pay system.

Moreover, the customer doesn’t need to carry any plastic card, app or other payment sources as well as the fear of being forgotten and stolen off their digital payment account password won’t be there.

“This app can be used by a person to make payments without any phone. Almost 40 crore Aadhar numbers already stand linked to bank accounts – that is half the adults in India.

The aim is to link all Aadhar numbers with bank accounts by March 2017.’’ Unique Identification Authority of India (UIDAI) CEO Ajay Bhushan Pandey told ET Telecom.


  1. No MDR charge like a debit card or PayTM will be charged on paying via Aadhar Pay.
  2. All remote and rural areas will get the benefit of it.
  3. The App can be easily downloaded to an Android smartphone.
  4. More than 40 crore Aadhars have already been integrated with bank accounts.