KYC APIs

Verify identities and check tax compliance status using government-issued data. The KYC (Know Your Customer) APIs provide real-time verification of PAN numbers, DigiLocker documents, and Section 206AB compliance — essential for customer onboarding, vendor verification, and regulatory compliance.

Use cases

Industry	Use case
Banks & NBFCs	Verify PAN during account opening, loan applications, and KYC compliance
Fintech	Automate identity verification during user onboarding
Insurance	Validate PAN details for policy issuance and claims processing
E-commerce	Verify seller/merchant PAN during marketplace onboarding
Tax & compliance firms	Check 206AB status to apply correct TDS rates
Corporate HR	Verify employee PAN during payroll setup

Available endpoints

Endpoint	Method	Path	Description
PAN Verification	POST	/vas-api/pan-validation-v1	Validate a PAN and get holder name and status
Compliance Status (206AB)	POST	/vas-api/compliance-status-v1	Check TDS compliance status under Section 206AB
DigiLocker Init	POST	/vas-api/v1/digilocker-init	Generate authorization URL for DigiLocker access
DigiLocker Fetch	POST	/vas-api/v1/digilocker-fetch-status	Retrieve verified documents from DigiLocker

Authentication

All KYC endpoints require an OAuth2 Bearer token. You need to:

1. Sign up for a developer account
2. Get an access token using your client credentials
3. Include the token in every request: Authorization: Bearer YOUR_ACCESS_TOKEN

Quick example

Verify a PAN number in one call:

curl -X POST https://api.api4business.com/vas-api/pan-validation-v1 \
  -H "Authorization: Bearer YOUR_ACCESS_TOKEN" \
  -H "Content-Type: application/json" \
  -d '{"pan": "ABCDE1234F"}'

Error handling

All KYC endpoints return errors in a consistent format. See KYC Error Codes for the complete list, or the Error Handling Guide for retry patterns.

{
  "errorCode": 400,
  "errorType": "proxy",
  "errorMessage": "Invalid PAN"
}

What's next

• PAN Verification — Start with the most common KYC check
• Quick Start — Make your first API call in under 10 minutes
• Error Codes — All KYC-specific error codes
• Changelog — Version history for KYC APIs