The National Payments Corporation of India (NPCI) on September 09, 2026, issued a notification regarding the introduction of Three-Party Cash Deposit (3P Cash Deposit) using Aadhaar Enabled Payment System (AePS).
The following has been stated: -
•The National Payments Corporation of India (NPCI) has introduced the AePS Three-Party Cash Deposit service to enable interoperable cash deposits across participating member banks.
•Under this framework, depositors can deposit cash to third-party accounts through an AePS Touchpoint Operator (ATO) or other regulator-approved AePS channels.
•The process requires participating acquiring banks to perform depositor e-KYC and OTP verification while maintaining specified transaction limits.
•Meanwhile, beneficiary banks must validate account details to ensure eligibility and compliance with beneficiary limits before crediting the funds.
The detailed notification is given in the document below.
[Notification No.: NPCI/2026-27/AePS/002/097]
