AEPS (Aadhaar Enabled Payment System) has revolutionized digital (Why Does AEPS Transaction Fail) banking in India, allowing users to conduct financial transactions using just their Aadhaar number and biometric authentication. However, despite its convenience, AEPS transactions sometimes fail, causing frustration for users. If you’ve ever wondered, “Why does my AEPS transaction fail?”—you’re not alone.
In this in-depth guide, we’ll explore the top 7 reasons for AEPS transaction failures and provide practical solutions to fix them. Whether you’re a customer, merchant, or banking professional, understanding these issues will help you avoid common pitfalls and ensure smooth transactions.
Table of Contents
1. Incorrect Aadhaar or Bank Details
Why It Happens
One of the most common reasons for AEPS transaction failure is entering incorrect Aadhaar or bank details. A single digit error in your Aadhaar number or wrong IFSC code can lead to transaction rejection.
Solution
-
Double-check your Aadhaar number before initiating a transaction.
-
Ensure your bank account is correctly linked to your Aadhaar.
-
Verify your bank’s IFSC code if required.
Pro Tip: Use the UIDAI website (uidai.gov.in) to confirm your Aadhaar details.
2. Biometric Authentication Failure
Why It Happens
AEPS relies on fingerprint or iris scans for verification. If your biometrics are not updated, smudged, or mismatched, the transaction will fail.
Solution
-
Clean your fingers before scanning.
-
Ensure your Aadhaar biometrics are updated (visit an Aadhaar center if needed).
-
Try multiple fingers if one fails.
Fact: According to NPCI, around 15-20% of AEPS failures occur due to biometric errors.
3. Poor Internet Connectivity
Why It Happens
AEPS requires a stable internet connection. Weak signals or network issues can disrupt transactions midway.
Solution
-
Use a strong and stable network (avoid remote areas with poor connectivity).
-
Switch between Wi-Fi and mobile data if one fails.
-
Retry the transaction after checking the signal strength.
4. Insufficient Bank Balance
Why It Happens
If your account doesn’t have enough funds, the transaction will be declined.
Solution
-
Check your account balance before making a transaction.
-
Ensure no hidden charges (like GST or service fees) are affecting the withdrawal.
5. AEPS Service Downtime
Why It Happens
Sometimes, bank servers or AEPS services face technical glitches, leading to failures.
Solution
-
Check for official downtime announcements from your bank.
-
Try again after some time.
-
Contact customer support if the issue persists.
Example: In 2022, SBI faced AEPS downtime due to server maintenance, affecting thousands of users.
6. Aadhaar Not Linked to Bank Account
Why It Happens
If your Aadhaar is not linked to your bank account, AEPS transactions won’t work.
Solution
-
Link your Aadhaar via:
-
Internet Banking
-
Bank Branch
-
ATM
-
SMS Banking
-
7. Transaction Limit Exceeded
Why It Happens
Banks impose daily withdrawal limits (usually ₹10,000 per day). Exceeding this causes failure.
Solution
-
Check your bank’s AEPS transaction limits.
-
Split large transactions into smaller amounts.
Frequently Asked Questions (FAQs)
Q1. How can I check if my Aadhaar is linked to my bank account?
You can check via:
-
Net Banking → Aadhaar linking status
-
SMS → Send “UID LINK <last 4 digits of Aadhaar>” to 567676
Q2. What should I do if my AEPS transaction is debited but not received?
-
Wait 24-48 hours for auto-reversal.
-
If not resolved, file a complaint with your bank.
Q3. Can AEPS work without a mobile number?
No, a registered mobile number is mandatory for OTP verification.
Conclusion
Understanding why AEPS transactions fail can save you time and frustration. The most common issues include incorrect details, biometric errors, poor connectivity, insufficient balance, service downtime, unlinked Aadhaar, and transaction limits. By following the solutions provided, you can ensure smoother transactions.
If problems persist, always contact your bank’s customer support for further assistance.
Disclaimer
This post is for educational purposes only. If you have any concerns regarding the content, please visit our DMCA page for removal requests. Always verify details with official sources before making financial decisions.