Micro ATM — Card Cash Withdrawal
Debit-card cash withdrawal, balance enquiry and mini statement at your own outlets on a Bluetooth card reader. The card and PIN are read by our Micro ATM SDK inside your Android app; this API starts each transaction, hands the SDK its launch values and tells you the bank network’s final answer. A withdrawal, less any charge, is credited to your AEPS wallet.
The SDK result on the outlet’s phone is recorded as evidence, but a transaction becomes SUCCESS, and a withdrawal is credited to your AEPS wallet, only when the bank network’s own confirmation reaches Payonclick. Pay out cash when the SDK reports the withdrawal as successful — that is the moment the customer’s account is debited — and never when it reports a failure or returns nothing. A transaction without a final answer stays PENDING; do not repeat it for the same customer.
Micro ATM runs under the outlet’s own merchant, onboarded and eKYC’d through /ext/v1/aeps/merchants (the matm permission is enough for those calls). Bank eKYC and the daily fingerprint authentication are AEPS-only steps and are not needed for Micro ATM.
The Payonclick Micro ATM SDK (v1.0.0) is an Android library: payonclick-microatm-sdk-v1.0.0.aar plus payonclick-card-reader-v1.0.0.jar. Ask your account manager for it and share your app’s applicationId; the SDK runs only in apps enabled for your account. Card readers must be one of the supported models.