KYC API India - Aadhaar, PAN & Business Verification
Verify identities, onboard customers, and prevent fraud with real-time Aadhaar e-KYC, PAN, GST and business (KYB) verification APIs built for Indian fintechs and lending platforms
Sample Applicant
ID: M247_KYC_9921
99.8%
Passed
Fast, Secure & Compliant Verification
Reduce operational overhead while staying aligned with Indian regulatory requirements
Instant Verification
Onboard and verify users in under 2 minutes with zero manual intervention.
Regulatory Compliance
Stay aligned with RBI and NPCI identity verification norms.
AI Fraud Detection
Risk scoring engine flags suspicious profiles before they onboard.
Reduce Drop-offs
Seamless UI/UX components designed for high completion rates.
How It Works
User Submits Data
User uploads documents or enters ID details via your app.
Instant API Verification
Merchant247 provides real-time data verification using official government registries.
Risk Score & Approval
Get an instant decision with a detailed risk analysis report.
Complete Identity & Business Verification Suite
One stack for individual KYC, business KYB and fraud prevention.
KYC (Individual)
Verify individuals instantly using government-issued documents
- Aadhaar e-KYC(DigiLocker)
- PAN Card Verification
- Voter ID & Passport Validation
- OCR-based Document Scanning
- Live Face Match & Liveness
KYB (Business)
Validate business authenticity and legal registrations.
- GSTIN Verification & Filing Check
- CIN/MCA Data Extraction
- Udyam/MSME Registration
- PAN-to-Business Matching
- Director DIN Verification
AI Fraud Prevention
Intelligent risk assessment and behavioral monitoring.
- Proprietary Risk Scoring Engine
- Sanction & PEP List Screening
- Suspicious Pattern Recognition
- Real-time Fraud Alerts
- KYC Reuse/Duplicate Detection
Integrate KYC in Minutes.
One API for all ID types. No need to manage multiple bank or government integrations and a sandbox to simulate every outcome.
// Example: Verify Customer Identity
const verification = await merchant247.kyc.verify({
type: "INDIVIDUAL",
document_type: "AADHAAR",
document_number: "XXXXXXXXXXXX",
liveness_check: true,
consent: true
});
if (verification.status === "VERIFIED") {
console.log("Risk score:", verification.risk_score);
}Built for Modern Businesses
Merchant247's KYC API adapts to the compliance needs of various sectors
Fintech Apps
Onboard thousands of users daily with frictionless digital KYC journeys.
Insurance Providers
Verify policyholder identities during onboarding and claims.
Marketplaces
Trust but verify your sellers, delivery partners and service vendors.
Enterprises
Automate bulk employee and vendor background verification workflows.
Why Choose Merchant247?
Industrial-grade infrastructure designed for the modern fintech landscape.
24/7 Platform Availability & Support
Round-the-clock infrastructure and dedicated support for uninterrupted business operations.
Redundant by Design
Built with high availability architecture to ensure maximum reliability and uptime.
Own Your FinTech Business
Complete ownership of your platform without dependency on third-party ecosystems.
Faster Settlements
Process transactions and settlements quickly with optimized payment infrastructure.
One Platform, Every Financial Service
Access payments, KYC, BBPS, travel and more from one unified platform.
Built for the Complete Business Hierarchy
Support distributors, retailers, agents, franchises and enterprise structures.
Security You Can Trust
We treat your data with the highest level of security. Merchant247 is built with a privacy-first architecture and bank-grade encryption at every layer.