The ZEDPAY Fintech Finance Solutions Pvt. Ltd. A Unified AEPS is a Smart Micro ATM which allows users to transfer money between bank accounts. It is a single-window mobile payment system developed by the National Payments Corporation of India (NPCI). It eliminates the need to enter bank details or other sensitive information each time a customer initiates a transaction. Unified AEPS is a unique payment system through which you can link your bank account to a Smart Micro Atm and make transactions safely.