Digital Check
Seamless UPI Verification with Plug & Play API’s
Leverage UPI verification API for quick and hassle-free payment transfers and onboarding for customer, merchants, vendors or other third-parties.
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Verification via UPI
What is UPI Verification and Why is it required?
Introducing AuthBridge’s UPI Verification API – a digital tool that allows businesses to verify their customers, merchants, and vendors before engaging in any financial transaction.
This robust solution offers real-time validation of UPI IDs, mitigating the risks of identity fraud and ensuring that only genuine third parties are onboarded.
Instantly verify the active status and name of the account holder registered in the bank before releasing payments to a UPI ID.
Onboard genuine merchants, vendors, or any other third party with a valid UPI ID and enable frictionless transfers.
- Easy API integrations available
- Intuitive dashboard for frictionless merchant onboarding and user experience
Features of UPI Verification API
Seamless Integration
Easy to integrate with existing systems and workflows, enhancing your payment processes without disruptions.
Accuracy
Achieve unparalleled accuracy and precision when verifying the UPI IDs of businesses, preventing fraudulent activities and ensuring reliable transactions.
Real-time Verification
Instantly validate UPI IDs for accurate verification, mitigating potential risks and eliminating delays.
Fast. Accurate. Efficient.
Your line of defense against impersonation frauds and stolen identities
99.9%
Check Success Rate
99%
Verification Accuracy
1 - 5 Secs
Response Time
Use cases of PAN Verification API
KYC Compliance
Organisations dealing with high-volume transactions can use UPI Verification API to validate and verify UPI IDs before making any financial transactions/exchanges
Customer Onboarding
Banks and financial institutions use UPI Verification API to authenticate customers during the onboarding process, ensuring the UPI ID provided by them is valid & linked to the account holder.
E-Commerce Payments
Get easy loan approvals with an accurate and authentic customer identification process, enhancing the reliability of your credit decisions
Instant Verification Check
UPI Verification API and what does it do?
Streamline your Merchant KYC journey with UPI Verification
UPI Active Status
Verify if the provided UPI ID exists and valid – instantly by using our Verification Suite
Proof of Identity
Match the name of the account holder/customer name as registered in the associated bank.
Frictionless Payment Transfers
Validate the UPI handle to prevent transfer failures due to wrong details and improve experience.
Comprehensive Range
All UPI addresses issued by public and private sector banks, as well as payment banks, are supported.
AuthBridge’s UPI Verification
Building an additional layer of security for fraud prevention
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Frequently Asked Questions (FAQs) around UPI Verification
UPI (Unified Payments Interface) Verification is a process that ensures the UPI ID (or VPA – Virtual Payment Address) provided by a customer, merchant, or vendor is valid and active. It is essential for preventing fraud and ensuring the reliability of digital transactions.
AuthBridge offers a UPI Verification API that takes the UPI ID as input and verifies its active status and authenticity in real-time. This API is designed to integrate seamlessly into existing systems, providing instant verification results.
UPI Verification is critical for creating frictionless journeys in verifying and onboarding customers or merchants. It helps in preventing identity theft, impersonation frauds, and ensuring that payments are made to the correct UPI ID, thereby reducing transaction failures and enhancing user experience.
It offers numerous benefits, including:
- Instant verification of UPI IDs to facilitate quick onboarding and transactions.
- Reducing the risk of fraud by verifying the active status and authenticity of UPI IDs.
- Ensuring smooth and error-free payment transfers by validating UPI handles.
- Improving customer and merchant trust in digital transactions.
Absolutely, UPI Verification is instrumental in the merchant KYC (Know Your Customer) process, ensuring that only genuine merchants with valid UPI IDs are onboarded. This simplifies and secures the merchant registration and payment process.
AuthBridge’s UPI Verification service boasts a high success rate and accuracy, with verification results delivered in just 1-5 seconds. This level of efficiency and reliability is crucial for businesses operating in real-time environments.
AuthBridge’s UPI Verification supports a comprehensive range of UPI addresses issued by public and private sector banks, as well as payment banks, ensuring wide coverage and applicability across different user segments.
AuthBridge provides easy API integrations that can be seamlessly incorporated into your current digital platforms. This plug-and-play approach allows for frictionless integration and immediate utilization of the UPI Verification service.
UPI Verification: A Comprehensive Guide
Table of Contents
Click a topic to scroll directly to it.
Introduction
UPI Verification is the process of validating a user’s Unified Payments Interface (UPI) ID to ensure it is active, legitimate, and linked to the correct bank account. This verification helps businesses and service providers confirm the authenticity of the UPI ID, preventing fraud and ensuring smooth transactions.
Key Features of UPI Verification
1. Real-Time Validation
- Detailed Explanation: UPI verification provides immediate results, validating the UPI ID as soon as it is entered. This feature is crucial for businesses that need quick confirmations, such as in high-volume transactions, onboarding processes, or payments. The real-time nature of the service ensures that businesses can proceed with confidence, knowing that the UPI ID is correct without any waiting periods or delays. This instantaneous feedback helps speed up workflows, especially in e-commerce, banking, and digital lending platforms where time is a critical factor.
2. Account Holder Confirmation
- Detailed Explanation: One of the most important features of UPI verification is the ability to confirm the name of the account holder linked to the UPI ID. This feature is essential for ensuring that payments are sent to the intended recipient and not an incorrect or fraudulent account. The ability to match the UPI ID with the account holder’s name provides an extra layer of security and helps in avoiding common issues like payment misdirection or errors due to typo mistakes. It also improves trust in peer-to-peer transactions and digital payments.
3. Fraud Detection and Prevention
- Detailed Explanation: UPI verification acts as a safeguard against fraudulent activities. By verifying the UPI ID before any transaction, businesses can detect if the UPI ID is invalid, inactive, or associated with suspicious accounts. This feature is particularly important in preventing fraud, as it ensures that only legitimate UPI IDs are accepted for transactions. It also protects businesses from potential scams or unauthorized use of UPI credentials, thereby reducing the risk of financial losses and enhancing the overall security of payment systems.
4. Seamless Integration with Payment Systems
- Detailed Explanation: UPI verification can be easily integrated into existing payment gateways, mobile apps, or CRM systems via API. This seamless integration allows businesses to embed the verification process into their workflows without disrupting the user experience. It enables businesses to automatically verify UPI IDs during critical points, such as when onboarding a new user or processing a payment. The flexibility of integration ensures that UPI verification can be used in a wide range of industries, from e-commerce and fintech to utility payments and service providers.
5. Enhanced Payment Security
- Detailed Explanation: UPI verification enhances the security of digital payments by ensuring that transactions are made only through valid and verified UPI IDs. It helps businesses verify the authenticity of the UPI ID before initiating a payment, which reduces the risk of fraudulent transactions. By confirming the validity of the UPI ID and matching it to the account holder’s name, businesses can be confident that their payments are secure. This feature is essential for preventing unauthorized access, ensuring safe transactions, and protecting both the company’s and the customer’s funds.
6. Error Reduction in Payments
- Detailed Explanation: Invalid UPI IDs can cause payment failures, delays, or incorrect fund transfers. UPI verification mitigates these errors by validating the UPI ID before the payment is processed. By catching errors early, such as incorrect or mistyped UPI IDs, this feature significantly reduces transaction errors and ensures smooth payment processing. It also prevents unnecessary transaction failures, refunds, and time spent resolving payment issues. This results in a more streamlined, error-free payment process, enhancing customer satisfaction and operational efficiency.
7. Scalability for High-Volume Transactions
- Detailed Explanation: UPI verification is designed to handle large volumes of transactions efficiently. This feature makes it suitable for businesses that process a high number of transactions daily, such as e-commerce platforms, fintech companies, or payment processors. With robust infrastructure and fast API responses, UPI verification ensures that even with heavy transaction loads, the verification process remains quick and accurate. Scalability is crucial for businesses aiming to grow without compromising on payment security or speed.
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Benefits of UPI Verification API
Instant Validation of UPI IDs: The UPI Verification API provides real-time validation, ensuring that the UPI ID is valid and active instantly. This helps businesses proceed with transactions quickly, improving operational efficiency and reducing delays.
Improved Accuracy in Payments: By verifying the account holder’s name associated with the UPI ID, the API ensures that payments are sent to the correct recipient. This reduces the risk of errors, such as sending funds to an incorrect UPI ID, enhancing payment accuracy.
Enhanced Security and Fraud Prevention: The API helps prevent fraudulent activities by ensuring the UPI ID is legitimate and belongs to a real user. Verifying the UPI ID before transactions reduces the risk of scams, unauthorized access, and payment fraud.
Seamless Integration with Payment Systems: The UPI Verification API can be easily integrated into existing payment gateways and apps, allowing businesses to verify UPI IDs effortlessly during user onboarding or payment processing without disrupting workflows.
Reduces Transaction Failures: By validating the UPI ID before initiating a payment, the API minimizes payment failures caused by invalid or mistyped UPI IDs. This reduces the need for refunds or payment reversals and ensures smoother transaction flows.
Optimized for High-Volume Transactions: The API can handle large transaction volumes, making it suitable for businesses with high transaction frequencies, such as e-commerce platforms and financial institutions. It ensures scalability while maintaining accuracy and speed.
Streamlined Onboarding Process: Businesses can use the UPI Verification API to quickly verify the UPI details of new users or vendors, speeding up the onboarding process. This reduces the time spent on manual checks and improves the overall onboarding experience.
Better User Experience: The API ensures a smoother and faster payment experience for users by preventing payment errors and failures. This leads to higher customer satisfaction and trust in the payment system.
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Simple Steps for UPI Verification via AuthBridge API
UPI Verification allows businesses to validate a user’s Unified Payments Interface (UPI) ID for authenticity and ensure secure transactions. Here’s a step-by-step guide on how the UPI Verification API works through AuthBridge:
Steps for UPI Verification via AuthBridge:
API Access
- Obtain an API key or token from AuthBridge to use their UPI Verification services.
Submit UPI ID
- Send a request to the AuthBridge UPI Verification API with the user’s UPI ID (e.g., user@bank).
Example Request:
{ "upi_id": "user@bank", "api_key": "your_api_key" }Authentication
- AuthBridge authenticates your request using the provided API key or token to ensure the request is authorized.
Backend Lookup
- The API checks the provided UPI ID by querying the relevant banking networks to verify its existence and validity.
Response Generation
- Success Response: The API returns the verified UPI ID details, including the account holder’s name and bank details (if allowed).
- Error Response: If the UPI ID is invalid or not found, an error message is returned.
Example Success Response:
{ "status": "success", "upi_id": "user@bank", "account_holder_name": "John Doe", "bank": "XYZ Bank" }Example Error Response:
{ "status": "error", "message": "UPI ID not found" }Receive Response
- The client receives the response from the API, confirming whether the UPI ID is valid and providing any linked information like the account holder’s name.
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