Verify PAN

PAN Verification feature enables you to instantly verify PAN details of individuals or businesses before you onboard them or make any transactions with them. The feature helps you to validate if a particular PAN is valid, also check if it belongs to an individual or a business. You can verify the PAN information using the dashboard or via APIs.

👍

Verify PAN for Free!

You can verify your beneficiary PAN details for free using Free Credits. With this limited-time offer, experience and test the feature without paying any verification charges.

A banner displays the offer for you on the Verification Suite - PAN page (Verification Suite Dashboard > Verification Suite - PAN). Click Claim Free Credits and instantly redeem the credits to your account.

You can use the PAN verification feature for various purposes, such as:

  • Onboarding vendors
  • Onboarding employees
  • Transferring funds or processing payments
  • Required for KYC verification

You can do a single verification or a bulk verification of up to 10,000 PANs at a time via API. View details like PAN type, name of the PAN holder, verification status, and more, of all PAN numbers shared in the file. Currently, we support verification of PAN via APIs only.


Use Cases

Loan Providers
Loan providers can verify their customers PAN instantly as part of KYC verification before disbursing the amount. This will help them to check the authenticity of the customers.

Insurance and Investment Portals
Insurance and investment portals can verify customers PAN instantly as part of KYC verification during onboarding. This will ensure successful payouts later.

Wallets
Wallets like Paytm, Amazon Pay, etc., can verify customers PAN during onboarding or for KYC requirements. This will help to process successful refunds to their wallets or accept wallet payments.

Payments or Fintech Industry
Payments or fintech industries can use the PAN verification feature to instantly verify PAN that belongs to a business or an individual before transferring funds or processing any payments.


Verify PAN

To verify PAN,

  1. Go to Verification Suite Dashboard > PAN > click Verify PAN.
  2. Enter the PAN and Name you want to verify.
433

Verify PAN

  1. Click Verify. You will see a success message if the PAN exists.
518

Verification success

All PAN's that you verify will be visible and available for your reference in the Verification Suite - PAN screen. You can search and filter for the details based on the status (Valid, Invalid, Rejected, Verification Failed), specific time duration, and PAN type.

📘

You can also use our API to verify PAN details.


Verify PAN in Batch

When you have a large number of PAN to be verified, you can upload a single file with all the details to verify them in one go.

To verify all the PAN, you must upload a .csv, .xls, or a .xlsx file that contains the PAN and name of an individual or business you want to verify. Download the sample file to know how the details must be filled in the file.

To upload a batch file with PAN details,

  1. Go to Verification Suite Dashboard > Batch > click Upload File.
  2. Click Choose a File to select the file you want to upload and click Upload. The uploaded file will be visible in the Batch section.
333

Batch Upload - PAN

  1. Click the uploaded file to view the status of the PAN details uploaded in the file.

All PAN's you verify will be visible and available for your reference in the Verification Suite - PAN screen. You can search by file name and filter for the details based on the status (Processed, Rejected, Processing, Cancelled) or a specific time duration.

📘

You can also use our API to verify PAN details in batch.

Verify PAN via OCR

You can verify the PAN information of your customers using optical character recognition(OCR) with Cashfree Payments and save your time. This technology recognises the text in an image or a scanned document and converts the text in the image to machine readable text format.

Improve the customer onboarding process by eliminating the tedious manual process of document verification.
Without human intervention, the accuracy of identifying and verifying the documents is higher.

We are in the process of developing an exciting dashboard for you very soon. Until then, use our PAN Verification via OCR API.


Name Match Score

To manually check if the provided customer name and the name registered at the bank are the same, consumes a lot of time and effort. Cashfree Payments has introduced a new feature that will help you to verify if the names are the same and provide the result accordingly.

Two new parameters, nameMatchResult and nameMatchScore will be available in the response, which will help you make faster validations and process payments successfully.

Contact your Account Manager or write to [email protected] to activate the name match score feature for your account.

Examples:

Direct Match

Name 1Name 2nameMatchResultnameMatchScore
Rohan Mathew ThomasRohan Mathew ThomasDirect match100.00

These names are exactly the same, so we get a perfect score.


Good Partial Match

Name 1Name 2nameMatchResultnameMatchScore
Rohan Mathew ThomasRohan ThomasGood partial match85.00

The name Mathew is missing in the above example, but the rest of the names match perfectly. So we are mostly sure it is the same person.


Moderate Partial Match

Name 1Name 2nameMatchResultnameMatchScore
Rohan Mathew ThomasRoshan ThomasModerate partial match61.00

In the above example, name Thomas matches both names and han matches both names, which increases the score, but overall a moderate partial match.


Poor Partial Match

Name 1Name 2nameMatchResultnameMatchScore
Rohan Mathew ThomasRohan Mathew KPoor partial match55.00

In the above example, although the two names are the same, the initial K is completely different which means that it could be a different person. The namematchscore is low.


No Match

Name 1Name 2nameMatchResultnameMatchScore
Rohan Mathew ThomasRajeevNo match14.00

Score Categorization

Match ResultMatch Score Range
Direct Match100.00
Good Partial Match85.00 - 99.00
Moderate Partial Match60.00 - 84.00
Poor Partial Match34.00 - 59.00
No Match0 - 33.00

With Bank Account Verification API, you can automate the verification of bank account details, IFSC code, and match the user's name with the bank account holder's name at the bank.