Multi-Collect
Recurring Payments
Ledgers
Payment Gateway
Instant Payouts
Escrow Accounts
Settlr
KYC & Onboarding
Hyperstreams
Bytes
UIStreams
ScannerStep 1
User submits identifier(s) such as PAN, or uploads ID documents.
Table of Contents
- Identity Verification for Business
- Methodology
- How Can Identity Verification Help Your Business
- How Can Your Business Identity Verification APIs
- Key Features of Identity Verification APIs
- Where You Can Use It
- Identity Verification APIs For Your Business - How can Decentro Help?
- Frequently Asked Questions?
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Identity Verification for Businesses
ID verification is a crucial step in onboarding and risk mitigation. It helps validate a customer’s or business’s claimed identity using government-recognized identifiers with AI-assisted validation and matching. It helps validate a customer’s or business’s claimed identity using government-recognized identifiers.
Decentro’s Identity Verification suite includes APIs for PAN validation, professional identity, AI-powered face and document verification, and more—enabling you to build trust and ensure compliance without collecting physical documents.
It enables you to automate your KYC and KYB workflows while ensuring speed, accuracy, and scalability.
Methodology
A consent-based, real-time verification process that validates IDs in the following steps
Step 2
System validates these using government/public data sources or face/document match.
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Step 3
Response is shared instantly with details like name match, ID validity, and AI-generated liveness and risk scores.
How Can Identity Verification Help Your Businesss
Ensure Compliance
from Day One
Verify users against official databases to meet RBI, SEBI, IRDAI, and UIDAI KYC norms, without manual intervention.
Stop Fraud
Before It Starts
Match PANs to bank accounts, check document forgery, detect spoofed faces with AI-powered real-time fraud detection.
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Faster Onboarding,
Lower Drop-offs
Verify a user’s details with just a phone number or PAN, reducing form friction and improving completion rates.
Improved
Experience
Provide faster approvals for legitimate customers while effectively blocking fraudulent applications.
Nexus Intelligence Active
Build your identity verification flow
in record time.
Describe your use case. Nexus tells you exactly which Decentro APIs to use — and how to connect them.
Powered by Nexus.decentro.tech
The Decentro Verification Suite
Scanner & Farsight
Scan and extract data from government IDs (PAN, Aadhaar, Voter ID, etc.) and match it with a selfie. Detect tampering, forgery, and more.
- OCR + face match
- Passive liveness detection
- AI-driven forgery detection
- Auto-document detection
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Liveness & Face Verification
Ensure the user is real, present, and not spoofing the system using cutting-edge passive liveness detection.
- Screen replays, paper masks, and deepfakes flagged in <1 sec
- No blinking or motion prompts, smooth UX
- Face-to-document or face-to-selfie match
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Hyperstreams (ID Verification Flows)
Pre-built, customizable AI-orchestrated verification flows with fallback logic.
- Combine PAN → Bank → Face → DigiLocker
- Choose from 30+ configurations
- Deliver full-stack KYC in <60 seconds
Business Verification (KYB)
Verify any business entity, MSMEs, startups, corporates, without documents.
- Supports Udyam, GSTIN, LLPIN, FSSAI, CIN, DIN
- OTP-based fallback for Udyam
- Regex-based validation
- Government-registered detail fetch
Professional Verification
Verify licenses of high-trust professions with AI-assisted registry matching like:
- Doctors (MCI)
- Lawyers (Bar Council)
- CAs (ICAI)
Bank Account Verification
Validate bank accounts with AI-assisted name and account matching via penny-drop or penniless method.
- Confirm name + account linkage
- Works across 100+ banks
- Ideal for pre-payout checks or mandate creation
Employment Verification
Verify employee credentials through EPFO, with MCA and GSTIN as fallback options, for comprehensive background checks.
Customer Verification
Multi-document authentication supporting PAN, Voter ID, Driving License, GSTIN, and RC for seamless identity validation.
ID Converters
Cross-format identity conversion enabling PAN-to-GSTIN mapping and account-to-PAN linking for streamlined compliance workflows.
Key Features
Seamless
Integration
One unified API layer to integrate all types of ID verification with AI-ready workflows in your app or backend.
Real-time
Identity Match
Get instant confirmation on PAN validity, Aadhaar match, or face verification status.
Comprehensive
KYB Coverage
Support for 10+ business identifiers like GSTIN, Udyam, LLPIN, DIN, and CIN for seamless business onboarding.
Forgery-Proof
Face + Document Checks
Passive liveness detection and image forgery analysis prevent impersonation and spoof attacks.
Scalable
Secure
Highly available APIs with encryption, rate-limiting, and audit logs ensure performance at scale.
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AI-Powered
Fraud Scoring
Instant AI and ML-driven risk scores from 25+ device, behavioral, and document signals.
Where You Can Use It
Customer
Onboarding
Enable seamless onboarding for users with pre-filled KYC info, automated checks, and real-time PAN validation.
Business Onboarding
(KYB)
Use KYB APIs to validate the legitimacy of MSMEs, startups, and large enterprises with just an ID input.
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Lending &
Credit Risk
Validate employment, income source (PF records), and professional certifications to underwrite smarter.
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Insurance &
WealthTech
Reduce fraud and meet regulator norms by verifying face + ID match before onboarding or payouts.
Wealth
Mangement
Prevent identity fraud, fake claims, and unauthorized withdrawals by verifying face + ID match before onboarding or payouts.
Account Opening
& Payments
Match PAN to bank account or validate UPI VPA using Mobile-to-X APIs for secure fund flows.
Identity Verification APIs For Your Business - How Can Decentro Help?
Why Use Decentro’s Identity Verification APIs?
Powering 1500+ fintechs, NBFCs, and enterprises across India
Supports PAN, Aadhaar, Udyam, DigiLocker, and more
Combines identity, employment, and bank verification under one stack
300ms average response time, 99.99% uptime
Sandbox + Production environment for smooth developer experience
Multi-provider architecture ensures continuity despite service outages
For Developers
Access our Product Guide
Simple & Automated APIs To Help You Launch 10X Faster.
Frequently Asked Questions
What types of ID documents can be verified using Decentro?
Decentro supports verification of multiple government-issued IDs, including PAN, Aadhaar, Voter ID, Driving License, and Passport. Additionally, it offers APIs for Udyam, GSTIN, DIN, and CIN for business verification, along with face match and liveness checks for extra security.
