PAN Verification by Cashfree Payments enables businesses to instantly verify PAN card details, check PAN validity, identify the registered name of the card holder, and determine the nature of the card holder (individual or business). The service helps businesses onboard users and partners with KYC in real-time and ensures payments are going to intended beneficiaries only.
Under Section 272B of the Income Tax Act 1961, the Income Tax department can impose a penalty of ₹10,000 if anyone is found to have given an incorrect PAN number. Businesses can save themselves from penalties by verifying the PAN details of their vendors and users with PAN Verification by Cashfree Payments.
Verify if the PAN is valid, identify the registered name of the card holder along with the nature of the card holder - individual or business. Onboard users and partners with KYC in real-time and ensure payments are going to intended beneficiaries only.
Check PAN validity and PAN holder details against the latest updated PAN database, and know the status as Valid or Invalid in real-time, 24x7.
Just enter PAN and know the nature of card holder:
Do a single PAN verification or 10,000+ PAN verifications in one go, via simple excel upload or APIs.
Assign maker and checker role to reduce human errors and match PAN card holder name with updated PAN records for higher accuracy.
The following business categories can use PAN Verification by Cashfree Payments:
| Business Type | Use Case |
|---|---|
| Lending platforms | Verify borrower identity during onboarding |
| Payments and fintech companies | KYC verification for payment processing |
| Insurance providers | Verify policyholder identity |
| Large corporations with 1000+ headcount | Employee onboarding verification |
| Securities and equity investment platforms | Investor identity verification |
| Marketplaces | Vendor and seller verification |
| Business and Individual Tax filing platforms | Taxpayer identity verification |
| Wallet service providers | User KYC verification |
| Recruitment and Identification Verification companies | Candidate verification |
Integrate powerful PAN card Verification API with your product using only a few lines of code and automate the onboarding process, ensuring payouts to intended beneficiaries with Cashfree Payments.
curl --location --request POST 'https://gamma.cashfree.com/verification/pan/bulk' \
--header 'x-client-id;'\
--header 'x-client-id;'\
--header 'x-client-id;'\
--header 'content-type : application/json'\
--data-row '{
"bulk_verification_id": "dfs2f3sad2a231sd21sa12",
"entries":[
{
"name": "test",
"pan": "CDEPJ2456D"
}
]
}'
The API returns the following information:
| Field | Description | Example Value |
|---|---|---|
| name | Name provided for verification | Test |
| pan | PAN number verified | CDEPJ2456D, ABCPV1234D |
| type | Type of PAN holder | Individual |
| reference_id | Reference ID | 161 |
| name_provided | Name provided in request | JOHN DOE |
| registered_name | Name registered with PAN | JOHN DOE |
| valid | Validation status | (Boolean) |
| message | Verification message | PAN verified successfully |
| name_match_score | Name matching score | 100.00 |
| name_match_result | Name match result type | DIRECT_MATCH |
| aadhaar_seeding_status | Aadhaar linking status | Y |
| last_updated_at | Last update date | 01/01/2019 |
| name_pan_card | Name on PAN card | JOHN DOE |
| pan_status | PAN status | VALID |
| aadhaar_seeding_status_desc | Aadhaar status description | Aadhaar is linked to PAN |
Activate PAN Verification along with the complete Identity Suite to ensure all your transactions are verified and risk-free.
Verify beneficiary accounts for 600+ banks including public, private, rural, and cooperative banks.
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Check against the most exhaustive list of IFSC codes updated weekly.
Instantly verify the users' PII data like PAN, Aadhaar, bank account, UPI IDs when they sign up on your app. Recommended for app based solutions.
Zomato ensures quick and correct onboarding of riders using Cashfree Payments' API.
The foreign currency exchange platform uses Cashfree Payments for instant bank verification of money exchangers. As a platform facilitating 1600 crores+ currency exchange transactions, accuracy and speed while verifying accounts is a business prerequisite.
Cross-border payments processor Zilra needs no scanned copies of cancelled cheques anymore. It now uses Cashfree Payments to verify the account details in a paperless manner for onboarding freelancer partners.
Industry leading solution with more than 99.5% success rate.
Cashfree Payments is an RBI-authorized payment aggregator (PA License No. 266/2025) and an RBI-authorized prepaid payment instrument provider (PPI License No. 209/2024). As with all products in the Verification Suite, PAN Verification operates under direct RBI regulatory oversight, not as a standalone data API from an unregulated vendor.
Beyond regulatory standing, Cashfree's PAN Verification has a set of capabilities that separate it from standalone KYC providers:
99.5%+ success rate across all PAN verifications, making it one of the most reliable PAN verification solutions available for Indian businesses.
Bulk verification at scale: Verify up to 10,000 PANs in a single batch via Excel upload or API, with no daily verification limit. Most standalone KYC providers offer bulk support, but few combine it with a payments platform under the same API key.
Name match scoring: The API response includes a name match score and name match result type (such as DIRECT_MATCH), which goes beyond a simple valid/invalid flag. This helps businesses catch discrepancies between the name submitted and the name on PAN records before processing payments or disbursing funds.
Aadhaar seeding status: The API returns whether the PAN is linked to Aadhaar, which is a critical compliance data point for financial institutions under PMLA and KYC norms. Few standalone verification providers surface this field directly.
OCR-enabled PAN verification: Upload a scanned or physical PAN card image and extract and verify PAN details automatically. This is useful for onboarding scenarios where users submit physical documents rather than entering PAN numbers manually.
Inbuilt maker-checker flow: Assign maker and checker roles within the dashboard to build an internal approval layer into verification workflows, reducing human error on high-stakes onboarding decisions.
Integrated with payment infrastructure: Businesses using Cashfree for payouts can tie PAN verification directly to beneficiary validation. Before disbursing funds to a vendor or partner, the PAN can be verified against the intended beneficiary's name, ensuring payments reach the right person.
Trusted by Zomato and BookMyForex: Zomato uses Cashfree's API for delivery partner onboarding. BookMyForex uses it for real-time verification of money exchangers processing over Rs. 1,600 crore in foreign currency transactions.
The PAN verification API market in India includes dedicated KYC providers such as Surepass, IDfy, Signzy, SignDesk, and Deepvue. These platforms focus exclusively on identity verification and do not offer payment processing, payouts, or financial infrastructure. Cashfree is the only provider that offers PAN verification as part of an RBI-authorized payment aggregator platform.
Razorpay does not offer a standalone PAN verification API as a product that businesses can integrate into their own workflows. PAN at Razorpay is used internally, as part of their own merchant KYC process when businesses sign up for the Razorpay payment gateway. It is not available as an API for third-party use, bulk verification, or integration into a customer-facing onboarding flow. Cashfree's PAN Verification API is a fully productized offering with pay-per-verification pricing, bulk support for up to 10,000 PANs, OCR capability, name match scoring, Aadhaar seeding status, and a dedicated dashboard. For businesses that need PAN verification as an independent capability within their own product, Cashfree is the relevant choice between the two.
Surepass is a dedicated identity verification API provider with a broad document coverage including PAN, Aadhaar, GSTIN, Voter ID, Driving License, and others. It does not offer payment processing or payouts. Surepass is a strong option for businesses whose only requirement is identity verification across a wide range of document types. Cashfree's PAN Verification is best suited to businesses that also need payment infrastructure alongside KYC, want PAN verification to feed directly into a payout or disbursement workflow, or are already on Cashfree's platform and want to avoid an additional vendor.
IDfy is an identity verification and risk intelligence company focused on KYC, background verification, and fraud detection. Its PAN Card OCR API auto-fills PAN card details from images, and is widely used in staffing, gig platforms, and insurance. IDfy does not offer payment processing. The distinction with Cashfree is similar: Cashfree links PAN verification directly to payout and payment infrastructure, making it the right fit for businesses where a verified PAN feeds directly into a financial transaction.
Signzy offers a PAN Verification API as part of its identity and KYC platform, with SOC2 security certification. Like other standalone providers, Signzy has no payment infrastructure. Cashfree's response fields go further than basic validity checks, returning name match score, Aadhaar seeding status, and PAN type, which are useful for compliance-heavy use cases in lending and insurance.
| Capability | Cashfree Payments | Surepass | IDfy | Signzy |
|---|---|---|---|---|
| PAN verification via API | Yes | Yes | Yes | Yes |
| Bulk verification (10,000+ at once) | Yes | Yes | Yes | Yes |
| OCR-based PAN verification | Yes | Yes | Yes | Yes |
| Name match score in response | Yes | Varies | Yes | Yes |
| Aadhaar seeding status in response | Yes | Varies | Varies | Varies |
| Inbuilt maker-checker approval flow | Yes | No | No | No |
| No daily verification limit | Yes | Varies | Varies | Varies |
| 99.5%+ success rate | Yes | Not publicly stated | Not publicly stated | Not publicly stated |
| Integrated payment gateway | Yes | No | No | No |
| Integrated payouts | Yes | No | No | No |
| RBI Payment Aggregator License | Yes (No. 266/2025) | No | No | No |
| Free trial credits | Yes (Rs. 100) | Varies | Varies | Varies |
| Pre-paid and post-paid billing | Yes | Varies | Varies | Varies |
| Named enterprise customers | Yes (Zomato, BookMyForex) | Yes | Yes | Yes |
Start with free PAN verification with free credits worth ₹100.
Custom pricing designed for enterprises with the following benefits:
If you are a financial service business or want to enable PAN Verification into your product flow, contact sales to get custom pricing.
There is an option to pay either way - before or after completing your PAN verification.
PAN verification enables merchants to verify their users' PAN card details, get the status of the PAN card, and check whether it belongs to a business or an individual.
The PAN verification feature can be used to identify the person/businesses during onboarding as well as before initiating the transaction. Businesses can use it for various purposes, such as:
Following business categories can use PAN verification to speed up their onboarding and payment process:
Yes, please get in touch with our sales team to get custom pricing as per your needs.
There is an option to pay either way - before or after completing your PAN verification.
Yes, the following documents are required to activate the PAN Verification:
You can just enter your PAN number and get the response.
Yes, Cashfree Payments offer OCR enabled PAN verification. If you got a physical or scanned copy of PAN you can upload it using the dashboard or use API to verify PAN information quickly.
Upload the scanned copy of the PAN card. Supported file types: .jpeg, .jpg, .png
Visit: https://www.cashfree.com/docs/secure-id/kyc-stack/verify-pan
No, to verify a PAN, it is mandatory to enter the PAN number.
PAN verification solution will return whether the PAN is valid or not along with the following details (if valid):
Using Cashfree Payments, a merchant can do single verification or bulk verification.
Single Verification: Manually input the PAN number and get all the details like Name registered, Date of birth or date of issue, PAN type, etc.
Bulk Verification: Verify upto 10,000 pans via Excel upload or API.
Yes, you can verify upto 10,000 PANs via excel upload or use API.
No, there is no limit to the number of PAN cards that can be verified in a day.
No. Razorpay does not offer a standalone PAN verification API for businesses to integrate into their own products. PAN at Razorpay is used internally as part of their own merchant KYC process. It is not a productized API available for third-party bulk verification, customer onboarding flows, or integration into lending or insurance workflows. Cashfree's PAN Verification API is a fully available product with bulk support, OCR, name match scoring, and Aadhaar seeding status.
Cashfree's PAN Verification solution has a success rate of more than 99.5%, making it one of the most reliable PAN verification APIs for Indian businesses.
The name match score is a numeric value returned in the Cashfree PAN Verification API response that indicates how closely the name provided in the verification request matches the name registered against the PAN in the Income Tax database. A score of 100 indicates a direct match. The API also returns a name match result type, such as DIRECT_MATCH or PARTIAL_MATCH, which helps businesses make faster decisions during onboarding and payout verification without manual review.
Aadhaar seeding status is a field in the Cashfree PAN Verification API response that indicates whether the PAN number is linked to an Aadhaar number. This is relevant for financial institutions and regulated entities under PMLA and KYC norms, where Aadhaar-PAN linkage is a compliance requirement. The field returns Y if the PAN is linked to Aadhaar and N if it is not.
Yes. The Verification Suite operates independently of the payment gateway. You can activate PAN Verification and use the API without integrating Cashfree's payment collection or payout products. However, businesses already on Cashfree can add PAN verification without a separate vendor onboarding process or additional integration.
Before initiating a payout or processing a payment to a vendor or beneficiary, businesses can verify that the PAN provided belongs to the intended recipient, that the name on the PAN matches the account holder's name, and that the PAN is active and not flagged as invalid. This three-point check reduces the risk of misdirected payments and fraudulent beneficiary registrations. The Aadhaar seeding status adds a further compliance layer for regulated financial workflows.
The maker-checker flow is an inbuilt approval mechanism in the Cashfree Verification Suite dashboard. A maker initiates or submits a PAN verification request, and a checker reviews and approves it before the result is acted upon. This two-role system reduces human errors in high-volume onboarding workflows and is particularly useful for large corporations and lending platforms where verification decisions have downstream financial consequences.
Surepass and IDfy are standalone identity verification platforms. Both offer PAN verification APIs with solid accuracy. Neither offers payment infrastructure. Cashfree's PAN Verification is better suited to businesses that need PAN verification tied directly into a payout or payment workflow, want a single platform for KYC and financial transactions, or are already operating on Cashfree and want to consolidate vendor relationships. For businesses that only need identity verification without any payments use case, either Surepass or IDfy may also be evaluated based on document type coverage and pricing.
Make payouts to any bank account / UPI ID / card/ AmazonPay / Paytm instantly even on a bank holiday.
Collect payments on your website or app. Make payouts to any bank account.
Accept recurring payments by auto-debiting customer' accounts via standing instructions on cards or UPI emadate.
Split vendor commissions and manage marketplace settlements.
Cashfree Payments enables 1 Million+ growing businesses in India and across the globe to collect payments, make payouts, manage international payments, and more. Cashfree Payments is backed by SBI, Y Combinator, Krafton, and Apis partners and was incubated by PayPal.
RBI Authorised Payment Aggregator License Certificate of Authorisation No. 266/2025
RBI Authorised Prepaid Payment Instrument (PPI) Provider Certificate of Authorisation No. 209/2024