Two Factor Authentication Process

We have added a two step process for merchant verification and authentication to prevent fraud and misuse.

Aadhaar Registration and Bio Auth Application process flow:

• The client will pass the retailer name along with other pre-requisite details when they re-direct the console to the AePS Service application.
• The Aadhaar Registration status is checked for the given retailer.

Scenario - 1

Aadhaar Registration:

• If the retailer's Aadhaar number was not registered previously then, they have to register the same.
• The retailer will be prompted to enter and confirm their Aadhaar number and proceed with Aadhaar registration.
• Additionally, this will also complete the Bio-authentication, viz 2FA process for the given day.

Scenario - 2

Biometric Authentication:

• In case the Aadhaar number was already registered with us for the retailer, but it was the first transaction of the day, this scenario arises.
• The retailer will be re-directed for daily Biometric authentication asking to verify their identity.
• The retailer will be shown their registered Aadhaar number with the last four digits unmasked and will be prompted to confirm the same by entering their Aadhaar number completely.
• The bio auth process can only be done by using the retailer aadhaar which was provided during onetime aadhaar registration process.