VERIFICATION / KYC APIs
Verify before you pay. Every time.
Real-time verification APIs that stop failed payouts, onboarding fraud and compliance gaps.
- Bank Account Verification (Penny Drop)
- Penny-less Bank Verification
- UPI ID Verification
- PAN Verification
Facilitated through RBI-licensed Payment Aggregator partners & partner banks · PCI-DSS compliant infrastructure
Scope your verification
Verification is priced per API and per volume. Pick what you check and how often.
Answer 2 more questions to continue.
APIs
Bank Account Verification (Penny Drop)
Confirms account status and registered name.
Penny-less Bank Verification
Instant name match without a test transfer.
UPI ID Verification
Validate VPA and holder name.
PAN Verification
Status, name match and PAN–Aadhaar linkage.
Aadhaar Verification
OTP-based e-KYC and offline XML/QR (with consent).
GSTIN Verification
Business legitimacy, filing status and address.
IFSC & Bank Lookup
Branch and rail capability (IMPS/NEFT/RTGS).
Use cases
Merchant & agent onboardingPayout beneficiary validationLending KYCGig-worker onboardingInsurance KYC
Built for scale
- 99%+ uptime
- Sub-second responses
- Bulk verification
- Consent & audit logging
- Sandbox test data
Frequently asked questions
Do I need customer consent?
Yes for Aadhaar and PII-based checks; SwifTrail provides consent capture guidance.
Are results stored?
Only as required for audit and as per our Privacy Policy.
Stop failed payouts before they happen.
Add verification to onboarding and payouts in a day.