An ATM that fits in your shirt pocket
The customer dips a debit card, enters the PIN, and takes cash from your drawer with a printed slip. No branch, no queue, no bank holiday.
What a debit card can do at your counter
Half your customers carry a card and never use it, because the nearest working ATM is in the next town.
Cash withdrawal
Up to ₹10,000 in one go from any bank's debit card. The service that brings people in.
Balance enquiry
Fifteen seconds, and it settles an argument at home. Most enquiries end in a withdrawal.
Mini statement
The last ten entries, printed. Asked for whenever a pension or subsidy is late.
Card deposit
The customer hands you notes, dips the card, and the money goes into their own account.
PIN change is on the same menu and costs nothing. A customer who has forgotten a PIN no longer loses a day going to a branch.
Two ways to pay out cash
They are not competitors. Most agents run both and use whichever one the customer in front of them can actually complete.
| Micro ATM | AEPS | |
|---|---|---|
| Customer brings | A debit card | An Aadhaar number |
| Authentication | PIN on the terminal | Fingerprint on a scanner |
| Account reached | Whichever account the card belongs to | The Aadhaar-linked account only |
| Device needed | Micro ATM terminal or mPOS | Certified fingerprint scanner |
| Per transaction | ₹100 – ₹10,000 | ₹100 – ₹10,000 |
| Cash deposit | Yes, on supported banks | No |
| Use it when | The card works but the ATM is far | The card is lost, blocked or never collected |
A worn fingerprint is the commonest reason an AEPS withdrawal fails. When that happens, ask for the card and finish the same withdrawal on the terminal. The other side of the counter is on the AEPS page.
Four steps, about forty seconds
Read the card
Tap it, dip the chip or swipe the magstripe — whatever the card supports.
Pick the service
Withdrawal, balance, mini statement or deposit. Then key in the amount.
Customer enters the PIN
Turn the terminal towards them. You never see the PIN and it never leaves the device.
Cash out, slip printed
The bank approves, your wallet is credited, you count out the notes and hand over the slip.
Pay out only after the terminal prints an approved slip. A declined card never moves money, and a timed-out transaction is reversed by the issuer.
Copy sent to the customer on SMS
The card works. The ATM does not.
Across the 700+ districts we cover, the nearest cash machine is often eight to twenty kilometres away — and out of cash on the days it matters most.
- Open when you are open, including Sundays and bank holidays
- No ₹500 minimum — a customer can take ₹300 for the bus
- A printed slip in hand, not a blank screen and a swallowed card
- A face they know if something goes wrong the next morning
Pick the terminal that suits your counter
MehaiPay does not sell hardware. Buy a certified device from any authorised dealer, register it once in the app, and it is live the same day.
Handheld terminal
Bank-grade micro ATM with its own screen, keypad, SIM slot and thermal printer. Works on its own and lasts a full day on one charge. The right choice if you pay out cash all day.
Bluetooth mPOS
A small card reader paired to the phone you already use for AEPS. Cheapest way to start, fits in a drawer, and the receipt goes out by SMS or to a pocket printer.
All-in-one Android POS
One device for micro ATM, AEPS, UPI QR and card sales, with the scanner and printer built in. Useful if you also sell goods over the same counter.
Every device we certify reads EMV chip, magstripe and NFC tap, is PCI PTS approved, and holds the PIN inside a tamper-protected keypad. Open the casing and the terminal wipes its own keys and stops working — by design.
Micro ATM, answered
Do I need my own tie-up with a bank?
No. MehaiPay's sponsor bank holds the acquiring arrangement and your terminal is registered under it. You need a MehaiPay account, an approved KYC and a certified device. No separate bank application, no security deposit, no branch visit.
The slip failed but the customer's account was debited. Now what?
Do not pay out. A failed or timed-out transaction is auto-reversed by the issuing bank, normally within twenty-four hours and at the latest by T+5 working days under NPCI rules. If it has not come back by then, open the transaction, tap Raise dispute and attach the failed slip. We file it into the NPCI chargeback cycle.
Which cards work on the terminal?
RuPay, Visa, Mastercard and Maestro debit cards from any Indian bank, including small finance banks and payments banks. Credit cards and prepaid cards cannot be used for cash withdrawal on a micro ATM.
Do I have to buy a printer?
A handheld micro ATM has one built in. With a Bluetooth mPOS the receipt goes by SMS and stays in the app, which is enough for every service except a mini statement — for that the customer wants paper. A pocket thermal printer costs about ₹1,500 and pairs in a minute.
What internet connection does it need?
A basic 4G connection is plenty; one withdrawal moves a few kilobytes. A handheld terminal takes its own SIM, an mPOS uses the data on your phone. If the line drops mid-transaction the terminal reverses it rather than leaving it half done.
What happens in a chargeback, and can I lose money?
A chargeback is the customer telling their bank that a transaction was not theirs. The issuer raises it, NPCI passes it to us, and we ask you for the merchant copy of the slip. If the slip shows an approved, PIN-verified transaction, the chargeback is defended and nothing is deducted. That is the one reason to keep every slip for six months, or photograph it into the app.
Put a cash machine on your counter
Free registration, KYC in two to four hours, and your terminal registered the same day it reaches your shop.