Scan And Extract KYC

“Scan-and-extract-KYC” typically refers to the use of technology to scan and extract relevant information from identity documents for KYC purposes. Here’s a general outline of how this process might work:

  • Document Scanning

    Use a document scanner or a mobile device camera to capture images of the customer's identity documents. Common documents include government-issued IDs like passports, driver's licenses, or national ID cards.

  • Image Processing

    Process the scanned images to enhance their quality and clarity. This step may involve techniques like image cropping, rotation, and filtering to improve the accuracy of subsequent extraction processes.

  • Text Extraction

    Utilize optical character recognition (OCR) technology to extract text information from the scanned documents. OCR can identify and convert printed or handwritten text into machine-readable text.

  • Data Verification

    Verify the extracted information against predefined criteria to ensure its accuracy. This may involve checking the document's expiration date, validating document numbers, and confirming the consistency of the information.

  • Facial Recognition

    In some KYC processes, facial recognition technology may be employed to match the person's face in the scanned document with a live image or a previously stored image. This adds a layer of identity verification.

  • Data Storage

    Securely store the extracted and verified information in a database. It's crucial to adhere to data protection regulations and implement robust security measures to safeguard customer information.

  • Compliance Checks

    Ensure that the KYC process complies with relevant regulations and industry standards. KYC requirements may vary based on jurisdiction and the type of business.

  • User Notification

    Communicate the results of the KYC process to the user. This may include confirming successful verification or providing instructions for resolving any issues that arise during the process.

The scan-and-extract-KYC process is commonly used in industries such as finance, telecommunications, and e-commerce to prevent fraud, meet regulatory requirements, and enhance the overall security of customer interactions. It’s important to note that the specific technologies and procedures involved may vary based on the implementation and the organization’s requirements.

Benefits of Scan and Extract KYC Technologies for Businesses (beyond basic KYC):

Enhanced Efficiency and Automation:

  • Reduce manual data entry

    Automate data extraction from KYC documents, eliminating tedious and error-prone manual effort.

  • Faster onboarding times

    Process customer applications swiftly, leading to shorter waiting periods and improved customer satisfaction.

  • Scalability and resource optimization

    Handle increased customer volume without needing to expand manual review teams.

Improved Compliance and reporting:

  • Real-time verification

    Instantly validate extracted data against trusted sources like government databases.

  • Streamlined reporting

    Generate reports and audit trails automatically, simplifying compliance processes.

Competitive Advantage and Customer Experience:

  • Seamless and remote onboarding

    Offer digital onboarding options for a convenient and hassle-free customer experience.

  • Brand reputation

    Demonstrating advanced KYC practices boosts customer trust and improves brand image.

  • Reduced costs

    Lower operational costs through automation and improved efficiency.

  • Integration with existing systems

    Many technologies seamlessly integrate with existing KYC workflows and CRM platforms.


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.