What a Micro ATM service does at your counter
A Micro ATM service for retailers turns your shop into a card cash point. A Micro ATM is a small card device that pairs with your phone. The customer uses their own debit card and card PIN, the card-issuing bank approves or declines the transaction, and you hand over the cash.
Card withdrawals on a Micro ATM are one of the long-standing ways to take cash at a Business Correspondent (BC) touchpoint, alongside Aadhaar-based AEPS and, since October 2025, UPI. In the Payonclick app, a Micro ATM gives you three services:
Cash withdrawal
The customer withdraws cash from their bank account with their debit card and PIN. You pay out the cash once the app shows success.
Balance enquiry
The customer checks their account balance with the same card and PIN.
Mini statement
The customer sees recent transactions on the account linked to their card.
A Micro ATM needs no Aadhaar number and no fingerprint from the customer. That helps a customer whose fingerprints don't scan well, or who would simply rather use a card. The trade-off is plain: the customer must carry the card and remember the PIN. Without both, a Micro ATM can't help them.
Payonclick India is a technology and service provider, not a bank. Card transactions run on regulated banks and networks, and the card-issuing bank decides whether each one is approved.
The device and phone you need
You need three things before your first card transaction:
| What | Details |
|---|---|
| Android phone | The Micro ATM service works only in the Payonclick Android app. There is no iOS app. |
| Micro ATM device | A Bluetooth Micro ATM from a compatible maker: PAX, MoreFun or NewLand |
| AEPS merchant onboarding | Micro ATM uses the same merchant onboarding as AEPS, including Aadhaar eKYC and bank eKYC |
The device talks to your phone over Bluetooth. Keep Bluetooth switched on and the device charged before customers arrive, so nobody waits while you pair or recharge it.
Before you buy a device, send the exact make and model to our team and ask them to confirm it for you. Checking first costs nothing, and it saves you from paying for a device you can't use.
How a card cash withdrawal works
Connect the device
Switch on the Micro ATM, turn on Bluetooth and pair it with the Payonclick Android app.
Enter the amount
Choose cash withdrawal and enter an amount from ₹100 to ₹10,000, in multiples of ₹100.
Customer uses their card
The customer uses their own debit card and enters their card PIN.
Bank decides
The card-issuing bank approves or declines the withdrawal, and the app shows the result.
Hand over the cash
Pay out the cash only after the app shows the withdrawal succeeded.
A decline for an amount inside the app's range can come from the card-issuing bank, which sets its own limits. Explain this to the customer and suggest they check with their bank, instead of trying the same card again and again.
Never ask for a customer's card PIN, and never enter it for them. Let the customer type it themselves, out of sight of others. If a customer tries to tell you their PIN, stop them. A shop that knows its customers' PINs is exposed if any of those accounts is later misused.
Micro ATM limits
| Item | In the Payonclick app |
|---|---|
| Cash withdrawal per transaction | ₹100 to ₹10,000 |
| Amount steps | Multiples of ₹100 |
| Services | Cash withdrawal, balance enquiry and mini statement |
| Customer authentication | The customer's own debit card and card PIN |
| Customer's own limits | Set by the card-issuing bank |
Note the step size. AEPS in the Payonclick app accepts multiples of ₹50, but Micro ATM accepts only multiples of ₹100. A customer who asks for ₹2,550 on a card needs to choose ₹2,500 or ₹2,600 instead.
The card-issuing bank sets its own limits, so the app's range is the most you can enter, not a promise that the bank will approve it. Every service's limits, with the official rules beside them, are on our rules and limits page.
Getting started: onboarding is shared with AEPS
If you already offer AEPS through Payonclick, you have completed the merchant onboarding that Micro ATM needs. Activate the Micro ATM service on your account and pair a compatible device. For a new retailer, the steps are:
Register
Sign up on payonclick.in or in the Payonclick Android app. Your mobile number is verified by OTP.
Complete KYC
Share Aadhaar and PAN through DigiLocker, or submit the KYC form with document photos for our team to review.
Sign the agreement
After KYC approval, sign the retailer agreement by eSign.
Activate Micro ATM
Activation charges apply per service, and our team shares them with you.
Complete AEPS merchant onboarding
Enter your shop, PAN, Aadhaar and bank details, then finish Aadhaar eKYC and bank eKYC.
Pair your device
Connect your PAX, MoreFun or NewLand Micro ATM to the app over Bluetooth.
The full document list is on our AEPS retailer ID page. You can join directly or through your distributor, and our team shares Micro ATM charges and commission on request.
When a customer is better served by AEPS or UPI cash withdrawal
A shop that offers all three cash services can help more of the customers who walk in. Match the service to what the customer has with them:
| The customer has | Offer | In the Payonclick app |
|---|---|---|
| A debit card and remembers the PIN | Micro ATM | ₹100 to ₹10,000, in multiples of ₹100 |
| Aadhaar and a fingerprint or iris that scans well | AEPS | ₹100 to ₹10,000, in multiples of ₹50, with an Aadhaar OTP above ₹5,000 |
| A smartphone with a UPI app and UPI PIN | UPI cash withdrawal | ₹100 to ₹5,000, in multiples of ₹100; not available from 11:30 PM to 5:00 AM |
Some common situations:
- Forgot the card or the PIN? AEPS or UPI cash withdrawal can still work.
- Fingerprint won't scan? A card withdrawal needs no biometric from the customer, and neither does UPI cash withdrawal.
- Wants more than ₹5,000 but doesn't have their Aadhaar-linked phone? AEPS needs an OTP above ₹5,000. A card withdrawal doesn't ask for an Aadhaar OTP.
- Late at night? UPI cash withdrawal is not available from 11:30 PM to 5:00 AM in the app.
For a side-by-side guide, read AEPS vs Micro ATM vs UPI cash withdrawal.