PNB AADHAAR PAY – Merchant Cashless transactions service for Individual or Sole Proprietor having Aadhaar Number


With the era of cashless scenario, PNB AADHAAR PAY service is the best to support for small individual sole proprietor having Aadhar number. PNB AADHAAR PAY is a digital payment solution which allows the Punjab National Bank customer (Individual or Sole Proprietor having Aadhaar Number and doing Business) to accept payments for goods/services using his Android smartphone and Biometric scanner from customers having Aadhaar seeded bank account after Biometric authentication from Unique Identification Authority of India (UIDAI).

Aadhar pay Eligibility  –

  • Eligible – The application has been made available only for Individual Merchants, i.e. only those who maintain either a Sole Proprietorship or Individual account with Bank, which should necessarily be Adahaar seeded. 
  • Not Eligible – Businessmen/ Merchants in other categories such as Partnership Firms, Companies, Societies, etc. are not eligible for this platform.

Features Of The “PNB Aadhaar Pay”:

  • Aadhaar Pay” will enable customers to facilitate cashless purchases from the Merchants in a cost-effective and scalable manner, supporting the government’s initiatives towards boosting cashless transactions.
  • It does not require a buyer (customer) to carry debit/credit cards, install various payment applications on his phone, type detailed USSD (Unstructured Supplementary Service Data) codes to transfer money or to have a phone to do cashless payments.
  • Real-time credit in Merchant’s account.
  • Interoperable –Customer can make the payment from Aadhaar Seeded Account in any Bank.

Procedure To get Onboard as Merchant:

You (Merchants -Only Individuals or Sole Proprietor) need to have the following to start using PNB AADHAAR PAY:

  1. Aadhaar seeded account with PNB.
  2. UIDAI Certified Biometric Reader.
  3. Android smartphone with Android version 4.2 or higher with internet connectivity and OTG support for connecting the biometric device.

As A Customer:

The only requirement for the customer is to have an Aadhaar seeded Bank account, Aadhaar number & Biometric (Fingerprints).

How Does A Individual / Merchant Get Registered For PNB AADHAAR PAY?

The merchant needs to contact nearest PNB branch to get registered on PNB AADHAAR PAY.