Identity Verification API - The What, Why and How

The Complete Guide to Everything You Need to Know About Identity Verification APIs

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What is Identity Verification API?

Identity verification is of paramount importance when it comes to risk mitigation. Be it individual identity verification or business verification. An ID verification API is a fast and efficient way to authenticate an individual or a business using multiple ID proofs to establish their validity. This helps in preventing fraud and smooth operations.

What are the Benefits of Verification APIs?

How to use Identity Verification API to your advantage
Identity theft

Instant Verification

ID verification API enables near real-time verification of individuals and businesses to prevent impersonation or identity theft.
Huge Productivity

Faster Onboarding

Identity verification API facilitates fast and accurate identity validation by cross-checking sourced and government databases for a seamless onboarding experience.
Verify at Scale

High Accuracy

Depending on the quality and the size of the proprietary database, API can verify the information quickly and in a secure environment.

What are the Different Types of Verification API?

Identity verification APIs can be of different types based on the entity to be verified. Individuals and businesses can validate their identities via an API platform to establish credibility. Based on the individual and business verification documents, the same can be established.

Broadly, there are two ways to classify Identify Verification API:

Identity theft

Individual Identity Verification

ID verification APIs are a fast and accurate way for the verification of the identity of an individual based on their NID documents such as Aadhar card, PAN card, and Voter ID card.

Huge Productivity

Business Verification

Business verification API helps with establishing the identity of a business such as distributors, vendors, third parties, LLP, and private limited companies. Commonly used business verification documents are GST number, CIN/DIN, and Udyam Aadhaar Verification.

Process of White Collar Verification

Customize White-collar Employee Verification in 4 Easy Steps

Create a customized background verification process tailored to your unique needs.

Step 1

Share your verification requirements with us.

Step 2

Define the scope with customized checks for every stage.

Step 3

Define risk matrix based on employee type and nature of business

Step 4

We recommend the list of verification checks based on business requirements

Types of Individual Verification APIs

Verification APIs help in making the verification process faster and more efficient. There are a number of individual verification APIs that can be used for this purpose. They are based on the type of NIDs that are being used to verify

Aadhaar Card Verification

The Unique Identification Authority of India (UIDAI) provides a Unique Identity (Aadhaar) to all Indian residents. The UIDAI provides online authentication to verify the identity claim of the Aadhaar number holder.
Aadhaar Verification API helps with Aadhaar card verification using the OCR technology to extract full name, address, mobile number and other biometric information that will authenticate the identity of an individual.
Pan Card verification-banner-img

PAN Card Verification

PAN Card is an important government identification documentation that is needed for conducting financial transactions. These transactions hold significance in determining the tax liability of an individual. Additionally, this reduces the possibility of tax evasion, which is one of the key PAN card uses.
PAN Verification API extracts information such as name, father’s name, date of birth and the person’s photo from the front page of the PAN card to validate it from the Income Tax Department database.

Voter ID Card Verification

The Voter ID Card also known as Elector’s Photo Identity Card (EPIC) is issued by the Election Commission of India to adult citizens above the age of 18 years. Voter ID is often used to verify the identities, ages, and addresses of individuals.
Voter ID Card Verification API extracts personal information provided in the uploaded or scanned ICard such as name, father’s name, address, DoB, and EPIC number using OCR technology and verify them again election commissions’ government database.

Address Verification

Address verification helps you verify an individual’s claim of living at a particular address. These verifications are particularly needed by companies hiring an employee, banks onboarding a new customer, or universities granting scholarships.
Address Verification API uses PoA documents such as Voter ID Card, utility bills (electricity, gas, water, etc) or a rent agreement signed by the landlord or a bank statement to fetch the details and run them through government databases to verify the identity of an individual.

Driving License Verification

Driving license (DL) verification is used to identify forged and counterfeit driving licenses that are being used for illegitimate purposes. DL verification involves validating the name, address, age, date of birth and father’s name of the driver to establish her/his legal identity.
Driving license API helps with online driving licence check using the OCR technology to extract the user’s information from their licence and run it through pre-validated data or a government database such as that of Priwahan Sewa. Additionally, the vehicle registration number is used to do a vehicle registration check along with the vehicle owner and manufacturer check using the RC verification API.

Bank Account Verification

Verify bank account to check the authenticity of the user, and account status (active or dormant account using the bank account number and the IFSC code. Bank account verification helps with identifying genuine versus fake individuals or merchants.
Bank Account Verification API uses the penny drop verification method to authenticate the beneficiary. The process calls for a transaction of Rs.1 to the user’s account and verifies the account information in real-time to ensure there are no transaction failures or reversals and to prevent identity fraud and thefts. Bank verification API also allows bulk verification of bank accounts by simply uploading an Excel/CSV file to further improve operational efficiency.

UPI Verification

The Unified Payment Interface (UPI) requires every bank account holder who registers for UPI to receive a unique virtual payment address (VPA). The National Payment Corporation Of India (NPCI) introduced this payment system to encourage digital payments.
The UPI Verification API is used to verify the VPA of the user. Valid UPI ID (or VPA) instantly gives you the bank account holder’s name as registered in the bank. Accessing the updated data allows the comparison between the identity (KYC) details provided in the application form against the beneficiary name returned from the UPI API to validate the customers.

EPFO Passbook API

EPFO Employee verification is an effective way to run an employment check for their employees. Doing so helps them identify fraud and keep the working environment conducive for the workforce.
EPFO API enables enterprises to check the employee PF account details and authenticate them using the UAN number. The organization can check the EPFO database and fetch details of the EPFO passbook and the declared status of the EPFO account.

Passport Verification

A passport is one of the most commonly used identification documents. confirm the identity of an individual by verifying their personal information as available in their passport. Conducting passport verification is most beneficial for companies conducting business with overseas customers or those partnering with cross-border businesses.
Passport verification API uses the OCR technology to extract personal details like name, DoB, and address, along with the photo of the individual to verify against the government database. Doing this assures the companies that the individual holds a valid passport and is legitimate.

Types of Business Verification APIs

Like individual verifications, there are business verification APIs that validate the business identification documents to establish their legitimacy. Below is the list of such verification APIs for business

GSTIN Verification

GST is a unique 15 digit identification number assigned to every taxpayer (primarily dealer or supplier or any business entity) registered under the GST regime. GST verification is used as a way to authenticate a business. Like we have know your customer (KYC) for individuals, similarly, GST verification API allows you to know your business (KYB). The GST number verification API cross-checks the business’s GST number against the pre-validated database to verify the legitimacy of a business.

Udyam Aadhaar Verification

Verify the legitimacy of your MSME merchants with Udyam Aadhaar verification API. Validate the name of an enterprise, enterprise type, date of commencement, full address & universal account number (UAN) using the Udyam Aadhaar number. Running this verification check confirms that small or Medium Business or Enterprise is legal & operational via their Udyam Registration, also known as an MSME Registration which is issued by the Ministry of MSMEs.

MCA Verification

The Ministry of Corporate Affairs (MCA) maintains data related to companies/LLPs which can be easily accessed by regulatory authorities, directors, partners, professionals, companies, LLPs, and the public. MCA verification API validates company ID, company name, company type & category, registration number, address, date of incorporation, and director details with just a simple input of the Company Identification Number (CIN) or Director Identification Number (DIN).

MSME Verification

The MSME verification API verifies the credibility of a company based on its Udyam Aadhar number, The MSME API validates the status of the business along with the business name and type, DIC & NIC codes, state, and location. Medium and Small Enterprises can easily verify their business KYC with MSME verification API with fast and smooth bulk onboarding.

What is the Process of Identity Verification via API

Let’s have a look at how to do background verification with API

Step 1

Initiate request for verification

Sending the request to start the identity verification process

Step 2

Enter the details

The user enters the ID proof details relevant to the individual or business

Step 3

Upload the documents

The user uploads the soft copy of the documents or an image of the documents or uses their camera to click a photo and upload in real-time

Step 4

OCR-based extraction of information

AI-powered OCR technology converts the machine-encoded text, whether from a scanned document or a photo of a document to extract the desired information

Step 5

Instant verification check via API

The APIs then run a real-time check across various source databases to verify the business or individual’s details

Step 6

Individual and Business verification done

Based on the data received from standard databases, the verification process is complete and the missing or incomplete data is highlighted

How Identity Verification is Useful Across Industries

Benefits of API Implementation for Different Industry Segments


The financial sector has significantly benefitted from the era of digital banking. Traditional banks, FinTechs or Neo Banks – all have hopped on the digital customer onboarding bandwagon. By implementing API integrations, these financial institutions have not only been able to digitize their customer onboarding process but also make it fast and efficient.

From remote onboarding to online KYC verification, the API services have smoothened the entire process. Banks have been at the forefront when it comes to adopting digital KYC (eKYC). This, combined with the OCR recognition technology, the banks are now able to provide online banking services and improve the overall customer experience.

E-commerce and Retail

The E-commerce industry is no stranger to identity frauds. Some of the common e-retail frauds are payment card fraud, account takeovers, and phishing attacks, where fraudsters impersonate retailer messages to access shoppers’ accounts.

Whether it is customer verification, seller verification or delivery partner verification, integrating API verification goes a long way in the shopping experience. With proper ID verification eCommerce and retail players can avoid shipping errors, ensure AML compliance, improve digital identity management and overall better management of both online and offline stores.


Online Gaming

Real money online gaming and betting platforms have often been the target of identity theft and financial fraud. Keeping this in mind, regulatory and compliance requirements have been imposed on the online gaming industry too. One of them is the digital KYC of players – verification of player’s PAN card, Aadhaar card and digital address verification to authenticate the identity and age of the players and onboard them faster.

Adhering to anti-money laundering compliance, online gaming platforms need to account for every financial transaction. This is made possible using bank account verification, and PAN card verification to ensure the money is being transferred to a valid account.

Travel and Hospitality

The travel and hospitality industry relies heavily on person-to-person interaction, trust and safety. Verifying the identity of guests is paramount to the safety of the hotel guests and staff. Similarly, the airlines need to check for imposters, terrorists, or people in the no-fly database to ensure the safety of fellow travellers.

From booking your flight, train tickets online or at offline kiosks to hotel reservations, verification is part of the onboarding process. Having a good background verification and screening solution enables hotel chains, casinos, boutique hotels, food service groups, and the hospitality industry to have the fastest turnaround times while maintaining exceptional customer experience



The IT sector often partners with various vendors and third-party entities to procure software and other operational requirements. Integrating API-based verification helps in streamlining the vendor onboarding and monitoring process. From document collection to getting information of all the vendors on a single platform, a vendor onboarding solution helps with end-to-end digitization of the process.

Another important piece of the process is the recruitment agencies that help the IT firms in the hiring process. Implementing API help with faster background verification of employees and thus, improving the candidate onboarding TAT.


Like the banking sector, insurance is also a highly regulated industry with the need for a sophisticated and secure solution to manage its processes. Insurers can leverage the API network for policyholder verification. Digital transformation can benefit insurance companies in the paperless environment by enhancing customer onboarding security & transparency using the API platforms. 

Insurance agent verification and policyholder verification enable the insurers with risk assessment by extracting, verifying and validating any document and photo at any stage of the policy purchase or underwriting process. Thus, allowing the insurers to be vigilant about insurance frauds for both life insurance and general insurance claims.


AuthBridge - The Best Identity Verification API Solution

Here is how to choose the best API solutions provider for your business

Identity theft

Industry Leading TAT

Huge Productivity

1Bn+ Proprietary Database Records

Verify at Scale

15Mn+ Monthly Checks

Integrated Background Verification API Solution for Businesses of All Sizes

Aadhaar Card Check

PAN Card Check

Driving License Check

RC Verification

Voter ID Card Check

Passport Verification

Court Record Check

GST Certificate Verification

Udyog Aadhaar Verification

MCA Verification

Bank Statement Analyzer

UPI Check

UAN Check

Face Verification

Electricity Bill Verification

Address Verification

CIBIL Credit Score

DIN Verification

TIN Verification

EPFO Verification

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