Identity verification and onboarding

End-to-end identity verification and onboarding APIs under one infrastructure

From KYC to income verification, bank validation to eSign, Setu gives you 40+ data APIs inside a single platform.

Get API access

Get API access

Get API access

Get API access

Get API access

Get API access

View API docs

View API docs

View API docs

View API docs

View API docs

View API docs

BUSINESSES WE WORK WITH

Groww logoUpstox logoNavi logoINDmoney logoKissht logoDhan logoJar logoSnapmint logoCars24 logoShareChat logoAcko logomPokket logo

Switchboard

Integrate financial services into your products using Setu APIs

Leverage the power of 40+ robust APIs for higher conversions, faster GTM and near-zero downtime — or choose Switchboard to access all APIs in a single platform.

Identity verification

Aadhaar Verification

PAN Verification

PAN Plus

PAN Fetch Demographic

Aadhaar Masking

DL Verification

Voter ID Verification

KRA Check

RC Verification

Passport Verification

OCR

PAN OCR

Aadhaar OCR

DL OCR

Voter ID OCR

PDF Parser

Face liveness

Passive Liveness Check

Face Match

Image Template Check

Image Metadata Embedded

Bank & financial verification

Penny Drop BAV

VPA to Bank Account

RPD Verification

Validate VPA

Mobile to VPA

Mobile intelligence

Mobile to PAN

Mobile to UAN

Mobile to Prefill

Mobile to Employment History

Mobile to Latest Employment

Business & tax verification

Detailed GST

PAN to GST

Udyam Verification

Udyog Verification

CIN Verification

Employment & income

UAN to Employment History

Employment History by UAN

Employment History with Date of Exit

Latest Employer by Mobile

UAN Profile

Vehicle & location

RC Verification

Reverse Geocoding

eSign + eStamp

Aadhaar OTP

Fixed/Variable stamps

Get API access

Get API access

Get API access

Get API access

Get API access

Get API access

Switchboard

Built-in intelligent routing and orchestration for every API — in one platform

Access all 40+ Data APIs via Switchboard, built on multi-vendor reliability for highest conversion, designed to reduce drop-offs and eliminate fraud.

Learn more

Switchboard

Built-in intelligent routing and orchestration for every API — in one platform

Access all 40+ Data APIs via Switchboard, built on multi-vendor reliability for highest conversion, designed to reduce drop-offs and eliminate fraud.

Learn more

Switchboard

Built-in intelligent routing and orchestration for every API — in one platform

Access all 40+ Data APIs via Switchboard, built on multi-vendor reliability for highest conversion, designed to reduce drop-offs and eliminate fraud.

Learn more

Bundled bank account verification

India’s 1st and only intelligent multi-method orchestration for account ownership verification

Build with configurable routing and fallback logic, designed to eliminate silent customer drop-off.

Learn more

Bundled bank account verification

India’s 1st and only intelligent multi-method orchestration for account ownership verification

Build with configurable routing and fallback logic, designed to eliminate silent customer drop-off.

Learn more

Bundled bank account verification

India’s 1st and only intelligent multi-method orchestration for account ownership verification

Build with configurable routing and fallback logic, designed to eliminate silent customer drop-off.

Learn more

Aadhaar app based verification

New, compliant and instant way of identity verification with UIDAI

OTP-less, in-app and QR-based identity verification with FaceAuth — higher success rates, and fraud eliminated.

Learn more

Aadhaar app based verification

New, compliant and instant way of identity verification with UIDAI

OTP-less, in-app and QR-based identity verification with FaceAuth — higher success rates, and fraud eliminated.

Learn more

Aadhaar app based verification

New, compliant and instant way of identity verification with UIDAI

OTP-less, in-app and QR-based identity verification with FaceAuth — higher success rates, and fraud eliminated.

Learn more

eSign + eStamp

Industry-leading Aadhaar eSign API provider with orchestrated dynamic ESP routing and on-the-fly eStamps

Eliminating customer drop-offs by 99%, built on ESP auto-switch for higher eSign completion, with compliant eStamping across 31 states and union territories.

Explore Setu eSign

eSign + eStamp

Industry-leading Aadhaar eSign API provider with orchestrated dynamic ESP routing and on-the-fly eStamps

Eliminating customer drop-offs by 99%, built on ESP auto-switch for higher eSign completion, with compliant eStamping across 31 states and union territories.

Explore Setu eSign

eSign + eStamp

Industry-leading Aadhaar eSign API provider with orchestrated dynamic ESP routing and on-the-fly eStamps

Eliminating customer drop-offs by 99%, built on ESP auto-switch for higher eSign completion, with compliant eStamping across 31 states and union territories.

Explore Setu eSign

Dhan’s success story

80%

of users organically chose RPD or PennyLess

75%

reduction in verification cost

With traditional verification, errors in manual entry or delays with penny-drop made for frustrating user experiences. RPD simplified everything; it was instant and removed any need for users to dig out documents.

Anirudha, Senior Product Manager, Dhan

Read Dhan’s story

80%

of users organically chose RPD or PennyLess

75%

reduction in verification cost

With traditional verification, errors in manual entry or delays with penny-drop made for frustrating user experiences. RPD simplified everything; it was instant and removed any need for users to dig out documents.

Anirudha, Senior Product Manager, Dhan

Read Dhan’s story

80%

of users organically chose RPD or PennyLess

75%

reduction in verification cost

With traditional verification, errors in manual entry or delays with penny-drop made for frustrating user experiences. RPD simplified everything; it was instant and removed any need for users to dig out documents.

Anirudha, Senior Product Manager, Dhan

Read Dhan’s story

Kissht’s success story

<4%

onboarding drop-offs, down from 18–20%

99%

verification success rate

Reverse Penny Drop based verification is a process our customers absolutely love. Instead of typing an IFSC code and a 16-digit bank number, customers now just have to make a ₹1 UPI payment, which is very intuitive for them. And in the response, we get data that cannot be spoofed.

Karan Mehta, CTO, Kissht

<4%

onboarding drop-offs, down from 18–20%

99%

verification success rate

Reverse Penny Drop based verification is a process our customers absolutely love. Instead of typing an IFSC code and a 16-digit bank number, customers now just have to make a ₹1 UPI payment, which is very intuitive for them. And in the response, we get data that cannot be spoofed.

Karan Mehta, CTO, Kissht

<4%

onboarding drop-offs, down from 18–20%

99%

verification success rate

Reverse Penny Drop based verification is a process our customers absolutely love. Instead of typing an IFSC code and a 16-digit bank number, customers now just have to make a ₹1 UPI payment, which is very intuitive for them. And in the response, we get data that cannot be spoofed.

Karan Mehta, CTO, Kissht

INDmoney’s success story

15%

reduction in eSign completion time

5%

improvement in eSign conversion

We saw a 15% reduction in average eSign completion time and a 5% delta in eSign conversion — not just better numbers, but real signs that more users were getting through the door faster and with greater confidence.

Ritwik Roy, Director (Product), INDmoney

Read INDmoney’s story

15%

reduction in eSign completion time

5%

improvement in eSign conversion

We saw a 15% reduction in average eSign completion time and a 5% delta in eSign conversion — not just better numbers, but real signs that more users were getting through the door faster and with greater confidence.

Ritwik Roy, Director (Product), INDmoney

Read INDmoney’s story

15%

reduction in eSign completion time

5%

improvement in eSign conversion

We saw a 15% reduction in average eSign completion time and a 5% delta in eSign conversion — not just better numbers, but real signs that more users were getting through the door faster and with greater confidence.

Ritwik Roy, Director (Product), INDmoney

Read INDmoney’s story

Deep local coverage

Support all major identity documents for faster, seamless onboarding.

AI native

Detects synthetic IDs and document tampering in real time, with 99.9% accuracy.

Flexible models

Choose individual APIs or the orchestration platform, with the highest reliability.

Trusted by industry leaders

One verification stack, working across every regulated onboarding journey in India.

Banking & NBFCs

Instant KYC and eKYC at account opening — onboard customers in minutes, not branch visits.

Lending

Verify borrower identity and income upfront, so disbursal isn’t held up by manual checks.

Broking & wealth management

Open demat and trading accounts digitally, with identity verified before the first trade.

Payment apps

KYC users at signup so wallets and UPI handles activate instantly, not after a review queue.

Gig economy

Verify driver and delivery partner identity before their first ride or delivery, not after.

E-commerce & quick commerce

Onboard sellers and delivery partners fast, with fraud checks built into signup.

OTT

Verify age and identity at signup — for age-gated content and subscription fraud checks.

Turn credit data into strategic action

Eliminating customer drop-offs by 99% built on ESP auto-switch for higher eSign completion, with compliant eStamping across 31 states/UTs

Explore Setu eSign

Turn credit data into strategic action

Eliminating customer drop-offs by 99% built on ESP auto-switch for higher eSign completion, with compliant eStamping across 31 states/UTs

Explore Setu eSign

Turn credit data into strategic action

Eliminating customer drop-offs by 99% built on ESP auto-switch for higher eSign completion, with compliant eStamping across 31 states/UTs

Explore Setu eSign

Ready to upgrade your verification stack

One integration, 40+ data APIs, and orchestration that never lets a drop-off cost you a conversion.

Contact us

Contact us

Contact us

Contact us

Contact us

Contact us

Common questions

FAQs