Anilax Software -
Empowering Last-Mile Banking with Real-Time Cash Services
A Portable Banking Device to Bring Cash Withdrawals, Balance Checks & Fund Transfers to Rural India
A Micro ATM (mATM) is a small, portable point-of-sale device that enables banking transactions like cash withdrawals, balance inquiries, mini-statements, and money transfers — especially in rural, remote, or underbanked areas. Using biometric authentication via Aadhaar or debit cards, micro ATMs act as banking access points delivered by agents (Bank Mitras or CSPs) who are authorized by banks or financial institutions.
Compliant and Scalable mATM Business
- Let customers withdraw cash using just their Aadhaar number and fingerprint. Integrated with UIDAI and NPCI, our AEPS flow supports cash-out, balance inquiry, and mini statements through a biometric scanner.
- Our micro ATM terminals support swipe and chip-based debit cards, allowing cash withdrawal and balance inquiry — just like a bank ATM.
- For urban and semi-urban merchants, integrate UPI collection directly on the micro ATM screen or companion app, turning it into a dual-purpose device.
- End-to-end secure architecture with AUA/KUA, e-KYC, and FPS matching, as mandated by UIDAI. All APIs are routed via certified NPCI channels to ensure uptime and legitimacy.
Plug-and-Play Technology Infrastructure
- Track transactions by agent, region, terminal, or device ID. Get UTRs, settlement statuses, and reconciliation summaries with exportable MIS formats.
- Customers receive SMS/WhatsApp receipts instantly. Failed transactions are auto-reversed, and all settlement reports are synced with bank nodal accounts.
- Assign custom margins for each transaction type (cash-out, inquiry, statement) and apply slab-based or fixed commissions
- Enable offline withdrawals using cached Aadhaar authentication, synced once connectivity is restored — critical for remote zones.
Ready to Deliver Banking to India’s Remote Corners?
We’re the kind who like to show you around.