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AEPS (Aadhaar Enabled Payment System) is a digital banking service that allows users to perform basic banking activities like cash withdrawal, balance enquiry, and fund transfers using their Aadhaar number and biometric verification. This system is especially beneficial for people living in rural or semi-urban areas where banking infrastructure is limited. In 2025, AEPS has become even more widely used. While the services are easy to use, many users and retailers are still unaware of the current transaction limits and charges. This blog will explain the latest AEPS transaction limits and charges for 2025 and how DotMik is providing a reliable platform for AEPS services. For cash withdrawals, AEPS allows a per transaction limit of ₹10,000. Most banks also impose a daily limit of ₹50,000. Aadhaar-to-Aadhaar fund transfers are typically limited to ₹5,000 per transaction. However, there is no set limit for balance enquiries and mini statements. AEPS services are generally free for end ...

The Reserve Bank of India (RBI) introduced revised guidelines under the Bharat Bill Payment System (BBPS) Directions, 2024, which came into effect from April 1, 2024. These new BBPS regulations are aimed at streamlining the bill payment ecosystem, ensuring better security, transparency, and wider access to digital payment services across India. With the digital economy growing rapidly, BBPS has become the backbone for utility and recurring bill payments in India. The updated guidelines focus on expanding participation, improving grievance redressal mechanisms, and bringing more transparency into the system. For fintech companies like DotMik , which provide BBPS API solutions, these changes present new opportunities to empower businesses with secure, compliant, and scalable bill payment integrations. Key Highlights of RBI’s BBPS Guidelines 2024 One of the most significant changes introduced by the RBI is the mandatory inclusion of credit card bill payments under BBPS. Until now, user...

India's Digital Shift: The New Payment Era In 2025, India is experiencing a remarkable digital payments transformation. With over 83% of retail transactions now happening through the Unified Payments Interface (UPI), digital transactions have become a way of life. This surge is driven by the success of government-led initiatives like Digital India, along with increased smartphone usage and internet access even in rural areas. DotMik , a leading fintech solutions provider, is helping businesses ride this digital wave by offering cutting-edge UPI and BBPS integrations. UPI in 2025: Instant, Reliable, and Expanding UPI is the heart of India's cashless ecosystem. From street vendors to large enterprises, everyone is accepting UPI payments due to its simplicity and real-time functionality. Innovations like UPI Lite for offline payments and Credit on UPI have further fueled its adoption. With DotMik's UPI API integration , businesses can now provide a smoother and secure payment ...