Phone Number Intelligence

Find, verify, and fetch data points associated with a mobile number, including Full Name and PAN details.

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Methodology
The Need for Phone Number Intelligence API Suite
Key Features Of Phone Number Intelligence API Suite
Where You Can Use It
How Can Decentro Help?
Frequently Asked Questions

Methodology

Fetch data associated with a mobile number with two different types of APIs.

Mobile to Name
VPA

A simple and reliable API that can identify and authenticate the user’s full name directly from the bank records.

Mobile to
PAN API

Retrieve the user's PAN details associated with the mobile number for comprehensive verification.

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Build your phone intelligence flow
in record time.

Describe your use case. Nexus tells you exactly which Decentro APIs to use — and how to connect them.

The Need For Phone Number Intelligence API Suite

The primary purpose of a business deploying a Phone Number Intelligence-related API in their workflows is to ensure that:

The associated UPI VPA exists.

To validate the account holder’s name directly from banking records.

To validate if the bank account is active, i.e., the account is not frozen/closed and accepts credits.

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Key Features Of Phone Number Intelligence API Suite

Detect
Transaction Frauds

With secure and transparent access to data, the risk of funds being transferred to fraudulent accounts is eliminated.

Instant User
Background Checks

Validate merchant/customer authenticity via multiple credentials, such as full name, UPI handle, IFSC code, and account type.

Enhanced
Data Accuracy

Verify information via multiple data points directly with these APIs to ensure accuracy and eliminate the risk of human error.

Accelerated
User Onboarding

Verify information without exposing data to a third party, eliminating onboarding delays of new vendors/merchants/clients.

Automated
Workflows

Easy-to-integrate APIs for your existing workflows, tailored to your verification and validation needs.

Real-time
Identity Verification

Instantly verify user identity with live data retrieval, ensuring up-to-date and accurate information for immediate decision-making.

Where You Can Use It

Retail Banking

Phone Number Intelligence APIs are predominantly used to authenticate account details during the onboarding process of new customers or while adding a new payee.

E-Commerce

E-commerce platforms leverage Phone Number Intelligence APIs to validate the bank details of sellers and buyers.

Lending and Credit

Financial Institutions can use data retrieved from Phone Number Intelligence APIs to verify loan applicants’ details, aiding in assessing their creditworthiness and reducing the risk of default.

Background Verification

Businesses can use Phone Number Intelligence APIs to run comprehensive background checks on users and adhere to regulatory compliance by accurately verifying their customers’ account details.

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Phone Number Intelligence API Suite for Your Business

How Can Decentro Help?

Multiple APIs for instantly validating a user’s bank account via mobile number.

Inbuilt approval flow and beneficiary name verification.

Flexible API-based flow that can be embedded easily in your existing workflows.

Verify accounts on the fly while maintaining the accuracy and speed of onboarding and transactions.

Leverage multi-bank architecture in the backend so that unexpected downtimes, black swan events, or even volume spikes will not impact your business.

For Developers

Simple & Automated APIs To Help You Launch 10X Faster.

API Documentation

For Businesses

24x7 Multi-Channel Priority Support

Designed to be customer-centric

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Robust and efficient APIs to prevent fraud before it strikes

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Frequently Asked Questions

How does the Mobile to Name feature work?

The Mobile to Name API lets you quickly and securely validate users' details during onboarding by fetching their full name directly from their phone number through bank records.

What are the benefits of using Mobile to PAN feature?

Can I trust the accuracy of the retrieved name and PAN details?

How secure is the user's phone number and information during the process?

Can I verify the user's name before proceeding with transactions?

PAN Verification

Initiate swift and reliable PAN verification to validate the identity of an individual or business in real time.

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Employment Verification