List of KYC Verification API Providers in India [2026]

A customer applying for a loan or bank account expects quick verification and approval. For financial institutions, that’s the new reality. But before any service approval, one question needs an answer: Can this applicant be trusted?

 

That’s where KYC comes in. A strong KYC process helps businesses verify identities, detect fraudulent applications, and stay compliant with regulatory requirements—all without slowing down the customer journey.

 

The challenge is that not every KYC provider is designed for digital lending. Some offer basic identity verification, while others provide a complete suite of APIs for onboarding, fraud prevention, business verification, and compliance. That’s why we have prepared this list.

List of KYC API Providers

These are providers who offer KYC API for verification:

Surepass

Surepass Technologies is an identity verification company known for its low-latency API infrastructure and swift turnaround integration times. Surepass provides an extensive suite of plug-and-play APIs, including instant PAN verification, Aadhaar Offline XML/OKYC, bank account penny-drop checks, RC verification, and video KYC solutions.

 

Key Services

• Aadhaar and PAN Verification
• CKYC APIs
• Video KYC
• DigiLocker APIs

Hyperverge

HyperVerge provides AI-powered identity verification and customer onboarding solutions. Its proprietary AI models support passive liveness detection, face authentication, document verification, and Video KYC. HyperVerge’s liveness technology has achieved ISO/IEC 30107-1/30107-3 Level 2 compliance through iBeta Presentation Attack Detection (PAD) testing.

 

Key Services

• Identity and KYC Check
• Video Verification
• Bank Account Verification
• Business Verification (KYB)

Authbridge

AuthBridge is an identity and background verification provider. It offers automated KYC verification, V-CIP, and workforce screening solutions. AuthBridge’s modular architecture enables banks and cooperative credit institutions to configure onboarding flows that combine customer identity verification with background checks.

 

Key Services

• Government ID verificationn(Aadhaar, PAN)
• Bank account verification, AML and sanctions screening
• Employee, vendor and business verification
• Audit-ready detailed reports

Signzy

Signzy is an established RegTech leader in India, widely known for its comprehensive digital onboarding suite. It provides end-to-end V-CIP software, AI-driven document extraction, and contract execution. Signzy’s platform is heavily utilized by major public and private sector banks in India, offering deep workflow customization and strong backend integration with core banking systems (CBS). 

 

Key Services

• Identity Verification
• Video KYC
• AML Screening
• Face Matching and Liveness Detection

IDFY

IDfy offers an identity verification and fraud analytics platform serving banks, NBFCs, and fintech lenders. Its solution suite includes Video KYC, document authenticity validation, face matching, and corporate due diligence (KYB). IDfy stands out for its customizable risk engine, allowing institutions to adjust verification friction based on the applicant’s risk profile.

 

Key Services

• Video KYC
• Face match and liveness
• Fraud and risk intelligence (OneRisk, CrimeCheck)
• DPDP compliance suite (Privy)

Perfios

Perfios is a digital onboarding and verification solution provider company. It offers a comprehensive suite of KYC and KYB solutions for various industries including fintechs, NBFCs, and insurers. Its solutions include identity verification, AI-powered document processing, and Video KYC. It focuses on providing automated verification workflows and helps businesses conduct verification faster with accuracy.

 

Key Services

• Identity & Address Verification
• KYC & KYB APIs
• Video KYC
• Bank Account Verification

Decentro

Decentro is an Indian financial technology company that develops APIs for banks, NBFC, fintech, and other enterprises. Its product suite has APIs for banking, KYC, and other financial solutions. It helps businesses accurately verify customer identities, retrieve CKYC records, and get DigiLocker documents for verification. This company also develops customized onboarding workflows for businesses to streamline operations.

 

Key Services

• Identity Verification
• Professional verification
• DigiLocker APIs
• Business Verification

Factors to Consider Before Choosing a KYC Provider

You should look for the following factors before choosing a KYC provider:

• Regulatory fit: match to your RBI institution type under the 2025 sector-specific directions.
• Data residency: all KYC data stored in India, with audit readiness.
• Coverage breadth: enough in one place that you avoid stitching several vendors together.
• Fraud depth: liveness, deepfake resistance, and device intelligence.
• Local reach: low-bandwidth support, which matters most for cooperative banks.
• Integration: documentation quality, sandbox access, and go-live time.
• Support: onboarding help and a clear SLA.

Conclusion

KYC verification API helps you onboard customers faster and reduce the customer drop-off rate. It offers an automated solution that reduces manual work burden and human errors. The above list of KYC API providers helps you know about the CKYC API provider. Remember that no one and single provider is perfect for every business. So, check the services, book a demo, and try sandboxing; after that, invest in any provider.

FAQs

Ques: What are the penalties for KYC non-compliance in India?

Ans: Failure to comply with RBI KYC and PMLA regulations can result in financial penalties, regulatory action, and operational restrictions.

 

Ques: Can startups integrate KYC APIs easily?

Ans: Yes, Most KYC providers in India offer REST APIs, SDKs, sandbox environments, and documentation, making integration simple even for small engineering teams.

 

Ques: What is the difference between per-attempt and per-success pricing?
Ans: Per-attempt billing charges for every verification call, including failures and rejections. Per-success billing charges only for completed verifications. In high-rejection flows, the model can change your cost significantly.

 

Ques: Can KYC work in low-bandwidth rural areas?
Ans: Yes, if the provider supports lightweight flows, regional-language documents, and offline or assisted options. This matters for cooperative banks serving semi-urban and rural members.

 

Ques: What is the difference between eKYC and Video KYC?

Ans: eKYC verifies customer identity digitally using official records. Video KYC (V-CIP) includes a live video interaction to complete full KYC as per RBI guidelines.