Perfios KYC API

Perfios KYC API offers a comprehensive solution for financial institutions and fintech companies to verify customer identity in compliance with RBI regulations. The API integrates with multiple official Indian identity sources to provide reliable verification.

Features

• Aadhaar Verification: Multiple verification options including OTP, offline XML, and Aadhaar paperless offline KYC
• PAN Verification: Real-time PAN validation and verification against NSDL database
• DigiLocker Integration: Secure document retrieval from government DigiLocker
• Video KYC: Compliant V-CIP solution with face matching and liveness detection
• Bank Account Verification: Penny drop and bank statement analysis

Use Cases

• Customer onboarding for banks and NBFCs
• eKYC for mutual fund investments
• Digital account opening for neobanks
• Lending application verification
• Insurance policy issuance

Integration

The API uses REST architecture with JSON responses. Here's a sample request for PAN verification:

const axios = require('axios');
 
async function verifyPAN() {
  try {
    const response = await axios({
      method: 'post',
      url: 'https://api.perfios.com/kyc/v1/verify/pan',
      headers: {
        'Content-Type': 'application/json',
        'Authorization': 'Bearer YOUR_API_KEY'
      },
      data: {
        pan: 'ABCDE1234F',
        name: 'John Doe',
        consent: true,
        consent_text: 'I hereby authorize verification of my PAN details'
      }
    });
    
    return response.data;
  } catch (error) {
    console.error(error);
  }
}

Compliance

The Perfios KYC API is fully compliant with:

• RBI KYC Master Direction
• UIDAI Authentication Regulations
• PMLA Requirements
• Data localization requirements

Pricing

Perfios offers a pay-as-you-go pricing model with volume-based discounts. Contact sales for custom enterprise pricing options.

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