Any UPI app
Works with the UPI app already on the customer's phone, for any bank that supports UPI cash withdrawal.
Scan a QR, collect cash: a UPI ATM at the village shop
At a DuePe CSP the customer scans the shop's QR with any UPI app, approves the amount with their own UPI PIN and takes the cash from the counter. No debit card, no Aadhaar, no trip to the town ATM.
- Any UPI app
- Their own PIN, their own phone
- Cash only after confirmation
Safe hand-over
Cash leaves the drawer only after the bank says yes
The app walks the shopkeeper through three states, so cash is never handed over against an unconfirmed payment.
- Waiting for payment
The QR is on screen with a countdown, and the app shows: do not hand over cash yet.
- Payment confirmed
The bank confirms the debit from the customer's account and the app updates on its own.
- Hand over the cash
The shopkeeper gives the cash and shares the reference for the customer's records.
What you get
What the customer gets
Your phone is the card. The shop is the ATM.
Their own PIN, their own phone
The customer checks the amount and enters the UPI PIN on their own phone. The shopkeeper never sees the PIN.
Cash only after confirmation
The app tells the shopkeeper not to hand over cash until the bank has confirmed the payment.
A reference for every withdrawal
Every withdrawal carries a reference, so any question later is answered from the record.
UPI ATM or AEPS
Two ways to take out cash at the same counter
Both work at a DuePe CSP. The customer picks the one that suits them.
UPI ATM (cardless cash)Cash with your thumb (AEPS)
The customer bringsA phone with any UPI appAadhaar number and a fingerprint
Approved withUPI PIN on the customer's own phoneFingerprint on the shop's certified device
Best forPeople who pay by UPI every dayPeople without a smartphone or UPI
How it works
Four steps at the counter
- 1
Enter the amount
The shopkeeper enters the withdrawal amount in the DuePe app.
- 2
Show the QR
The app shows a one-time QR for that amount, valid for a few minutes.
- 3
Customer scans and approves
The customer scans the QR with any UPI app and approves with their UPI PIN.
- 4
Confirmed, cash handed over
When the app shows the payment as confirmed, the shopkeeper hands over the cash and the reference.
For shopkeepers and partners
Why UPI ATM brings people to the shop
Cash in hand without a card, a thumb or a queue.
Commission on every withdrawal
Each successful withdrawal earns the shop a commission, shown on screen next to the QR.
Customers AEPS cannot serve
Young customers who pay by UPI every day, and people whose fingerprint does not read well, can still take out cash.
No card and no scanner
This service needs no ATM card and no fingerprint device: the customer's phone does the work.
Common questions
Questions about UPI ATM
Which UPI apps work?
Any UPI app on the customer's phone that can scan a QR and pay, as long as the customer's bank supports UPI cash withdrawal.
Is there a withdrawal limit?
Yes. Limits per withdrawal and per day are set by the customer's bank and NPCI, and the bank declines amounts above them.
What if money is debited but the app does not confirm?
The shopkeeper does not hand over cash. A debit that is not confirmed is reversed to the customer's account by the bank, and the reference is used to follow it up.
Does the customer need a debit card or Aadhaar?
No. Only a phone with a UPI app and the UPI PIN. That makes it useful for customers whose fingerprint does not read well for AEPS.
Is a fingerprint device needed for UPI ATM?
No. The shop only needs the DuePe app on its Android phone to show the QR; the customer's own phone does the rest.
How long is the QR valid?
A few minutes. The app shows a countdown; if it runs out, the shopkeeper creates a new QR for the amount.
More services at a DuePe CSP
Aadhaar + thumbCash with your thumb (AEPS)Cash, balance enquiry and mini statement from any Aadhaar-linked bank account, with a thumb print. No card, no PIN.IMPS · NEFTSend money homeSend cash to any bank account in India by IMPS in minutes or NEFT the same day. Saved beneficiaries, instant reference.Every operatorMobile & DTH rechargePrepaid mobile and DTH for every major operator. The plan and price show before payment; the recharge lands in seconds.