KYC & Verification

KYC (Know Your Customer) and Verification are essential processes for any business that deals with customers’ personal and financial information.

KYC and Verification help to prevent fraud, money laundering, identity theft, and other illegal activities. They also help to comply with the regulatory norms and standards of the government and other authorities.


However, KYC and Verification can be time-consuming, costly, and error-prone if done manually or with outdated methods. That’s why we offer you a range of APIs that can automate and simplify your KYC and Verification needs that are tailored for the Indian market. Our APIs are fast, accurate, secure, and easy to integrate with your existing systems and platforms.


As a business owner, you know that onboarding new customers while complying with KYC regulations can be a struggle. It’s time-consuming, manual, and often frustrating for both you and your customers. This is where our KYC & Verification APIs come to your rescue:

  • Accelerate Onboarding & Reduce Drop-Offs

  • Fortify Your Business with Unparalleled Security

  • Boost Customer Satisfaction & Conversions

  • Empower Your Business with Diverse Applications

Our Products

Types of KYC and Verification APIs


    These APIs allow you to verify the identity of an individual or business using their PAN card, Aadhaar card, or GSTIN.


    This API allows you to verify the bank account details of an individual.

  • Scan-and-extract KYC

    This API allows you to extract KYC information from scanned documents, such as passports, driver's licenses, and utility bills.

  • Aadhaar XML

    This API allows you to parse Aadhaar XML data and extract relevant KYC information.

  • Pan verification

    This API allows you to verify the authenticity of a PAN card.

  • Addhar Verification

    This API allows you to verify the authenticity of an Aadhaar card.

  • GST verification

    This API allows you to verify the authenticity of a GSTIN.

Use Cases

  • Customer/Business Onboarding

    Fetch and verify comprehensive details from national IDs like Aadhaar, PAN, etc., enabling instant and secure onboarding for individuals and businesses.

  • Insurance Processes

    Streamline insurance processes with efficient KYC verification, expediting policy issuance and reducing the risk of fraudulent claims.

  • Financial Institutions/Startups

    Streamline customer onboarding, reduce fraud risks, and ensure compliance effortlessly with our KYC solutions.

  • E-commerce Platforms

    Vendor registration, boost trust, and enhance security in online transactions for users, through our robust verification APIs.

  • Data Augmentation

    Enhance your KYC flow with additional validations such as vehicle registration, driving license, voter ID, and more, providing a robust layer of data augmentation.

  • Trading & Gaming Platforms

    Conduct user identity checks on trading and gaming platforms, ensuring legal compliance and preventing malicious activities through a dynamic and compliant onboarding process.

  • Educational Institutions

    Simplify student enrollment by efficiently verifying identity documents, making the admission process faster and more secure for educational institutions.

  • Job Portals and Recruitment Agencies

    Enhance the authenticity of candidate profiles through robust verification, fostering trust between job seekers and employers in the recruitment process.


Beware of fraudulent SMS & calls about KYC suspension or expiration, account block and fake rewards  will never ask you to download any app to complete your KYC .

Majority of UPI payments get successful instantly and money is added to the receiver’s bank account at the moment itself. However, in rare circumstances which are beyond our control, like not receiving a success message from NPCI or receiver bank within a stipulated time, transactions go into pending state.

The issue will be resolved within 3 business days (usually within hours) from the date of payment initiation. The money will be transferred to your bank account during this period. Please check your bank statement to verify the same.

If you suspect fraud or want to issue instructions to stop payment, or want to report any fraudulent transactions in your account, we suggest the following:

  1. Please get in touch with your respective bank for immediate support and guidance. Banks have 24 x 7 support and you will be able to report a fraudulent transaction even during non-working hours.  
  2. We suggest you reach out to the cyber crime police department in your local jurisdiction.
  3. Please use this form to report it to us. Your request will be evaluated against our policies and we will review and take action as appropriate.

Please note that a UPI PIN is required to be entered on the App to send money and not to receive money. Fraudsters may initiate a request making you believe that you will receive money by entering your PIN. Please be careful and ignore/reject such requests. 

At Pay, we consider it our highest responsibility to safeguard your hard-earned money and protect you from payment frauds.

We use the best of  Artificial Intelligence and fraud prevention technology to identify suspicious transactions in real-time. We also actively work with the rest of the industry to build technologies that keep you safe.

However, sometimes scammers can ask you to take some deliberate actions that may lead you to lose money to them. That is why it is important for you to know about the dos and don’t if you happen to be in such a situation.