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Instant Verification APIs

Know Your Customer with Confidence

One unified API layer for PAN, Aadhaar, Bank Accounts, GST, Face Match, Liveness Detection, Credit Bureau, and 15+ government ID verifications — built for Indian fintechs, NBFCs, and enterprises.

⚡ <300ms Response
🔒 RBI & IRDAI Compliant
📊 99.9% Uptime SLA
Live Verification Feed All APIs Operational
🪪
PAN Verification
Income Tax Database · Real-time
Live
🏦
Bank Account Check
Penny Drop + IFSC Validation
Fast
🤳
Face Match + Liveness
AI-powered · ISO 30107-3
Live
🏢
GST Verification
GSTN Portal · Business details
Compliant
📊
Credit Bureau Check
Equifax · TransUnion CIBIL
Compliant
15+ APIs available · Sandbox access in minutes
50,000+ Active Users 500K+ Verifications Processed 99.9% API Uptime <300ms Avg Response 20+ Years Trust Infrastructure
API Catalogue

Every Verification You Need

From simple PAN lookup to multi-bureau credit checks, our APIs cover the complete identity stack required for digital onboarding in India.

Identity & Tax

🪪
PAN Verification
Validate PAN number against Income Tax database. Returns name, DOB, and PAN status in real time. Supports masked and unmasked responses.
PAN_VERIFY · IT_DATABASE
🆔
Aadhaar Verification
OTP-based Aadhaar verification via UIDAI. Supports eKYC, offline XML, and QR-based verification in a DPDP-compliant flow.
AADHAAR_OTP · UIDAI · eKYC
🔗
PAN–Aadhaar Link Status
Check whether a customer's PAN is linked to their Aadhaar — mandatory for financial onboarding under PMLA and RBI KYC norms.
LINK_STATUS · PMLA

Banking & Finance

🏦
Bank Account Verification
Verify beneficiary name and account validity via penny drop. Supports IMPS and NEFT-based verification with instant name match scoring.
PENNY_DROP · IMPS · NEFT
🏛️
IFSC Lookup
Fetch complete bank and branch details from any IFSC code. Returns branch address, MICR, and supported transaction types.
IFSC_LOOKUP · BRANCH_DATA
📊
Credit Bureau Check
Pull credit scores and reports from Equifax and TransUnion CIBIL. Supports soft pulls for pre-qualification and hard pulls for underwriting.
EQUIFAX · CIBIL · CREDIT_SCORE

Business & Compliance

🏢
GST Verification
Verify GSTIN against the GSTN portal. Returns business name, registration status, filing history, and principal place of business.
GSTN · BUSINESS_KYC
🏗️
MCA / Company Check
Validate CIN and fetch director details, registered address, paid-up capital, and company status from the MCA21 registry.
MCA21 · CIN · DIRECTOR_KYC
👷
EPFO Verification
Confirm employment history and UAN via EPFO. Validates PF contributions and current employer details for loan origination workflows.
UAN · EMPLOYMENT

Biometric & Government IDs

🤳
Face Match
Compare a selfie against a government ID photo or stored reference. AI-powered with >99% accuracy. Returns similarity score with confidence level.
FACE_MATCH · AI · SIMILARITY_SCORE
👁️
Liveness Detection
Detect presentation attacks using passive and active liveness checks. ISO 30107-3 compliant for anti-spoofing. Required for V-CIP and remote onboarding.
ISO_30107-3 · ANTI_SPOOF · V-CIP
🗳️
Voter ID Verification
Verify EPIC number and voter details from Election Commission of India. Returns name, age, address, and polling station details.
ECI · EPIC
🚗
Vehicle RC Lookup
Verify registration details from Vahan PARIVAHAN. Returns owner name, chassis number, insurance validity, and emission certificate status.
VAHAN · RC_CHECK
🛂
Passport Verification
Validate Indian passport details against MEA database. Supports MRZ parsing and manual entry for international onboarding scenarios.
MEA · MRZ · INTL_KYC
🎓
Driving Licence Check
Verify licence validity and holder details from the Vahan portal. Includes vehicle category, expiry date, and endorsement history.
VAHAN_DL · TRANSPORT
Use Cases

Built for Every Regulated Workflow

Whether onboarding retail borrowers or verifying merchants at scale, our KYC APIs slot into your existing stack without friction.

Digital Customer Onboarding

Reduce drop-offs with a single unified verification flow. Verify identity, confirm liveness, and validate bank account in one API sequence — fully paperless and RBI KYC compliant.

  • PAN verification against IT database with name match
  • Aadhaar OTP-based eKYC via UIDAI
  • Passive liveness + face match against Aadhaar photo
  • Bank account penny drop for payout enablement
  • CKYC search to avoid redundant KYC
PAN_VERIFYAADHAAR_OTPLIVENESSFACE_MATCHBANK_VERIFY
<2 minEnd-to-end onboarding time
0 paperFully digital, no physical docs
RBIKYC Master Directions compliant
CKYCRegistry de-duplication built-in

CKYC Registration & Search

Submit new CKYC records to the Central KYC Registry and fetch existing records by Aadhaar, PAN, or CKYC number — eliminating redundant KYC across financial institutions.

  • Search existing CKYC records before initiating fresh KYC
  • Upload new CKYC records with supporting documents
  • Download and pre-fill customer data from CKYC record
  • Update records on change of address or KYC refresh
CKYC_UPLOADCKYC_SEARCHPAN_VERIFY
1xKYC for all financial institutions
SEBICKYC norms compliant
Real-timeRegistry search response
BatchBulk upload supported

Video KYC (V-CIP)

Power RBI-compliant Video Customer Identification Process with real-time face match, passive liveness, and geo-tagged Aadhaar OTP — callable from your own video interface.

  • Passive liveness detection during live video session
  • Face match between live frame and Aadhaar photo
  • Aadhaar OTP eKYC with geo-tagged consent capture
  • Session recording and audit trail for compliance
  • Agent-assisted and fully automated modes
LIVENESSFACE_MATCHAADHAAR_eKYC
RBIV-CIP circular compliant
ISO30107-3 liveness standard
>99%Face match accuracy
GeoTagged consent audit trail

Merchant Onboarding

Verify merchant businesses end-to-end — GST registration, MCA director checks, bank account penny drop, and proprietor PAN — in a single orchestrated flow for payment aggregators.

  • GSTIN verification with filing status and turnover
  • Director KYC via MCA21 registry
  • Bank account penny drop for settlement account
  • Proprietor / authorised signatory PAN verification
  • Negative watchlist and sanctions screening
GST_VERIFYMCA_CHECKBANK_VERIFYPAN_VERIFY
PA/PGRBI guidelines compliant
MCA21Director details verified
GSTNLive filing status check
BatchBulk merchant ingestion

Loan Origination & Credit Underwriting

Assess creditworthiness by combining EPFO employment verification, CIBIL / Equifax bureau pulls, and income validation — enabling faster, safer lending decisions.

  • Employment history from EPFO UAN lookup
  • Credit score and report from CIBIL and Equifax
  • Bank account verification for EMI debit mandate
  • PAN–Aadhaar link check for PMLA compliance
  • Negative database and fraud watchlist screening
EPFO_CHECKCREDIT_BUREAUBANK_VERIFYPAN_LINK
PMLAAML compliance built-in
CIBIL+ Equifax bureau access
EPFOEmployment history verified
APISingle integration, all sources

Insurance KYC (IRDAI Compliant)

Meet IRDAI KYC guidelines for proposer verification at point of sale. Integrates face match, Aadhaar XML offline, and vehicle RC lookup for motor insurance issuance.

  • Aadhaar offline XML for proposer identity verification
  • Face match against Aadhaar photo at PoS
  • Vehicle RC lookup for motor insurance proposals
  • PAN verification for high-value premium policies
  • CKYC search to pre-fill proposal form data
AADHAAR_XMLFACE_MATCHRC_LOOKUPPAN_VERIFY
IRDAIKYC guidelines compliant
VahanLive RC data from PARIVAHAN
OfflineAadhaar XML — no OTP needed
PoSMobile-first verification flow
How It Works

From Request to Result in Milliseconds

Our gateway normalises data from multiple government and bureau sources into a single, consistent API response — so you write one integration, not fifteen.

01🔑

Authenticate

Use your API key to get a bearer token. All calls are TLS 1.3 with request signing for tamper-proof audit trails.

02📤

Submit Request

Send the customer's identifier — PAN, Aadhaar, account number — via REST or webhook in a single structured JSON call.

03⚙️

We Verify

Our gateway queries the authoritative source — UIDAI, GSTN, NSDL, credit bureaus — and normalises the result.

04✅

Get Result

Receive a structured JSON response with verification status, matched fields, and confidence score in under 300ms.

Sample Response · PAN Verify
{
  "status": "SUCCESS",
  "verification_id": "4DI-KYC-20240701-A7F3",
  "api": "pan_verify",
  "response_time_ms": 187,
  "data": {
    "pan_number": "ABCDE1234F",
    "name_match": true,
    "name_on_pan": "RAHUL KUMAR SHARMA",
    "pan_status": "ACTIVE",
    "aadhaar_linked": true
  }
}
Why 4D Identek

Infrastructure Built for Indian Scale

We've been running digital trust infrastructure since 2006. Our KYC APIs inherit the same reliability that powers 500K+ certificate issuances and 50K+ active users annually.

⚡

Single SDK, All Sources

One integration covers all government APIs, bureaus, and biometric engines. No source-specific code to maintain or version-manage separately.

🔒

DPDP & RBI Compliant by Design

Consent capture, data minimisation, and audit trails are baked in — not bolted on. Ready for DPDP Act 2023, RBI KYC Master Directions, and IRDAI guidelines.

📈

Elastic Throughput

Auto-scales from 10 to 10,000+ verifications per minute without capacity planning on your side. SLA-backed with 99.9% uptime guarantee and dedicated support.

🛠️

Developer-First

REST APIs with OpenAPI spec, Postman collections, webhook support, sandbox environment, and dedicated integration engineer — all included in every plan.

Regulatory Coverage

RBI KYC Master Directions IRDAI KYC Guidelines PMLA / FEMA Compliance DPDP Act 2023 Ready CKYC Registry Integration SEBI KYC Norms

Data Sources Covered

UIDAI (Aadhaar) NSDL (PAN) GSTN MCA21 EPFO Vahan / PARIVAHAN ECI (Voter ID) MEA (Passport) TransUnion CIBIL Equifax

Ready to Verify with Confidence?

Start with a sandbox environment today. Our team will help you go live within 48 hours — with full compliance and integration support included.

✓ Sandbox in minutes ✓ No setup fee ✓ Go live in 48 hours ✓ Compliance support included