Simple | Secure | Reliable


Aadhaar Enabled Payment System

SARK AEPS service enables our customers for hassle-free and secure cash to withdraw, balance enquiry and a mini statement from their AADHAR linked bank accounts.

What is AEPS ?

Aadhaar enabled Payment System (AEPS) is a secured payment method provided by the National Payments Corporation of India (NPCI) that allows aadhaar linked bank account holders to avail basic banking services such as balance inquiry & cash withdrawal. Customers simply need to tell SARK Retailer their 12-digit aadhaar number and aadhaar linked Bank name. Fingerprint authorization is done using a biometric device to avail the service.

Aadhaar Based Payment System

Aadhar enabled payment system is a bank-led model which allows online interoperable financial transaction at PoS (Point of Sale / Micro ATM) through the Business Correspondent (BC)/Bank Mitra of any bank using the AADHAR authentication.

Services Offered by AEPS

  • Cash Withdrawal
  • Balance Enquiry
  • Mini Statement
  • Benefits of AEPS for agents.

  • Becoming SARK agent is a profitable business opportunity.
  • SARK agents can register for AePS service to convert their shop to a mini ATM.
  • Big profits from smaller investments.
  • A long term business association.
  • Benefits of AEPS for Customer.

  • Offers cardless cash withdrawals via Aadhaar authentication by SARK aeps app or portal.
  • An easy and secure way for cash withdrawal and balance inquiry service.
  • Any bank account holder or customer can access banking services by simply identifying their identity with the help of biometrics and Aadhaar numbers without having to remember the account number.
  • Check and download a mini statement.
  • How to use AEPS?

    The process of using AEPS is quite simple. Follow these simple steps :

  • Visit a SARK outlet correspondent in your area. (It does not matter if you don’t remember your bank account can do transactions through AEPS.
  • Provide the 12-digit Aadhaar number & Bank name to the SARK retailer.
  • Select transaction type – cash withdrawal or balance inquiry.
  • Enter the amount of the transaction (as applicable)
  • Authenticate the transaction using biometric (fingerprint)
  • The transaction is completed in seconds.
  • The bank agent receives transaction receipt & the customer receives an SMS confirmation from the bank.
  • Benefits of AEPS for agents.

  • Becoming SARK agent is a profitable business opportunity.
  • SARK agents can register for AePS service to convert their shop to a mini ATM.
  • Big profits from smaller investments.
  • A long term business association.


Pay electricity bills, postpaid bills, gas bills, water bill, etc. in one click from SARK portal and make your customers happy and get an attractive commission.

What is BBPS ?

Bharat Bill Payment System (BBPS) is RBI essential system that provides an integrated, interoperable invoice payment service to customers from all regions, with transaction certainty, reliability, and security. It provides customers with bill payment services through an agent network or online, enables multiple payment modes, and provides instant confirmation via BBPS web, BBPS app, SMS or receipt. We are promoting a cashless society by shifting cash bill payments to electronic channels. Currently, you can pay bills for utilities (gas, electricity, water, DTH) and telecommunications.

Bill Payment:

Online Utility Bill Payment Business is a profitable business for small entrepreneurs and shop owners to add extra income. As India is moving towards digital transactions so making online payments is profitable business as water bill, electricity bill, gas bill, postpaid bill, internet bill etc. become online. SARK utility bill payment franchise is very easy to own as you just need to have your own shop and Smartphone or laptop.


  • Interoperability: BBPS is an integrated online bill payment business platform that connects bank and non-bank entities at bill aggregation, billing, payment service providers, and retailers.
  • Accessible: Facilitates continuous payment of invoices through any channel, including models supported by BC / Agent branch/bank branch/representative contacts.
  • Integration: BBPOU (About Bharat Bill Payment Operating Unit), i.e. Banks / Non-Banks, should be connected only to BBPCU (Central Payment Unit of Bharat) and NPCI (National Payments Corporation of India).The billers need to connect to a single BBPOU so that all customers can pay their bills.
  • Compensation and Settlement: Use standardized rules/guidelines to make multiple liquidations and guaranteed settlements between different parties.
  • Complaint Management: BBPS will introduce a standardized complaint management system to handle customer complaints in all types of transactions.
  • What are the benefits to the customer?

  • Customers will enjoy the ease of paying bills anywhere, anytime by simply connecting to the BBPS network, online or through agents.
  • Access to the system will be available everywhere, including the zero or minimum banking region.
  • Earn the highest commission in the market in each BBPS transaction.
  • The payment of any invoice could be made through a single portal.
  • Service centers for the payment of bills will be available at the workplace or residence closest to the client.
  • Bank branches, ATMs, customer service centers, etc., could be the point of sale of BBPS. A customer could make the payment from any BBPS point of sale.


Start your mobile recharge, DTH business now with SARK and earn the highest commission on each recharge. with 100% successful transaction SARK portal is simple & easy processing.

Mobile Online Recharge Software for Retailers:

One can become our partner and add extra to your income. You can start a mobile recharge shop very easily and from your shop in your locality. Our company will provide you mobile recharge portal software for your business. You can recharge telecoms like Idea, Vodafone, Jio, Airtel etc. We are the best multi recharge app for your business and our success ratio is more than 99%. The mobile recharge retailer commission is very attractive in low investment.

Steps for Mobile Recharge

You can complete the mobile, data card or DTH online recharge in just two steps, and then you can enjoy uninterrupted service.

  • Enter all personal details and recharge amounts.
  • Click Continue after reviewing the payment summary.
  • A confirmation email with all the details will be sent on your entered Email ID.
  • Some of the features of our charging system are –

  • Start off the business of an online recharge business with all in one recharge solution.
  • Recharge business with high commission
  • Automatic refund in case of failure
  • Automatically coordinate pending recharge with various operators
  • Support mobile recharge API, remittance API and travel API through free API integration.
  • Application Notification / Desktop Notification / URL Callback will be called back when any recharge is made
  • High success rate
  • Support most carrier denominations/plans
  • Support SMS-based recharge (no internet or offline required) for use by our retailers
  • Automated operator and loop finder for prepaid mobile phones

For top-up services, we offer retail, distribution and inviting franchise partners to expand our business. We also offer a charging API that you can integrate into your own system. We also provide white label solutions for the B2B Recharge business

Domestic Money Transfer

Fund transfers will now be made easy with Cash to Account. Carry in cash and walk-in to any SARK merchant establishments, fill in few details and have the money transferred to your loved ones, anywhere in the country.

Online Money Transfer Methods

The various options through which users can make money transfer online are listed below-

  • NEFT
  • IMPS
  • UPI
  • RTGS
  • Digital Wallet

Key Features

  • Send money instantly
  • Available 24x7x365
  • Fund transfer can be done on Sundays and bank holidays
  • Instant confirmation to sender via SMS
  • Safe and secure transaction
  • This service is available across all the bank branches

Key Benefits

  • Cost effective
  • Safe and secure transaction
  • Fund transfer to all the PSUs and Private Banks
  • Free SMS alerts on every transaction
  • Near doorstep remittance facility


SARK has taken a step forward in the field of Financial Inclusion with an introduction of ‘Micro/Mini ATM Service’ to enable our agents to modify their shops into a digital banking system.

SARK vision is to build an extensive public banking infrastructure that not only provides quality banking services, but also is available to ordinary citizens in urban and rural India. Supplementary Branch Outreach is a Micro/Mini ATM network that provides convenient banking services to citizens. All in all, this is one of SARK missions to bridge the gap between the availability and accessibility of ordinary citizens providing simple banking services. As India’s first interoperable operating system, it is a banking innovation that can serve any bank customer though our portable device with a debit card interface. The MicroATM Machine is operated by an agent that will include a card reader for all cash withdrawal and balance inquiry transactions from all bank debit cards.

What transactions can be done at Micro/Mini ATM?

  • Cash Withdrawal (cash out from bank account)
  • Balance Check/Enquiry
  • Mini Statement(subject to service availability)
  • What are the benefits of using Micro/Mini ATM?

  • Now convert your shop into an ATM
  • This is a low-cost option for existing ATMs
  • Micro ATM is a portable device
  • Easy to carry, easy to set up anywhere in remote areas