Cashfree Payments Developer Documentation

Mobile 360 Verify OTP

curl --request POST \
  --url https://sandbox.cashfree.com/verification/mobile360/otp/verify \
  --header 'Content-Type: application/json' \
  --header 'x-api-version: <x-api-version>' \
  --header 'x-client-id: <api-key>' \
  --header 'x-client-secret: <api-key>' \
  --data '
{
  "verification_id": "test_verification_id",
  "otp": "123456"
}
'

{
  "verification_id": "test_verification_id_123",
  "reference_id": 987654,
  "status": "SUCCESS",
  "personal_details": {
    "full_name": "JOHN SNOW",
    "gender": "MALE",
    "total_income": "500000",
    "occupation": "Software Engineer",
    "age": 30,
    "dob": "1994-05-10",
    "relatives_details": [
      {
        "relation": "FATHER",
        "relative_name": "Alice Doe"
      }
    ]
  },
  "phone_numbers": [
    {
      "type": "MOBILE",
      "phone": "9999999999",
      "linked_to": "CREDIT"
    }
  ],
  "emails": [
    {
      "email": "[email protected]",
      "linked_to": "PAN"
    }
  ],
  "passport_details": [
    {
      "passport_number": "PA123456",
      "linked_to": "CREDIT"
    }
  ],
  "bank_account_details": [
    {
      "bank_account": "123456789012",
      "ifsc": "HDFC0001234",
      "bank_address": "MG Road, Bangalore",
      "linked_to": "UAN"
    }
  ],
  "aadhaar_details": [
    {
      "masked_aadhaar_number": "XXXXXXXX8848",
      "linked_to": "PAN"
    }
  ],
  "ration_card_details": [
    {
      "ration_card_number": "TN1234567890",
      "linked_to": "CREDIT"
    }
  ],
  "driving_license_details": [
    {
      "driving_license_number": "KA0120198900984",
      "linked_to": "CREDIT"
    }
  ],
  "voter_details": [
    {
      "voter_id": "UAI4574761",
      "linked_to": "CREDIT"
    }
  ],
  "pan_details": [
    {
      "pan_number": "ABCDE1234F",
      "metadata": {
        "registered_name": "JOHN SNOW",
        "name_pan_card": "JOHN SNOW",
        "type": "Individual or Person",
        "aadhaar_linked": true
      }
    }
  ],
  "addresses": [
    {
      "address": "123, 4th Cross, MG Road",
      "type": "Primary",
      "state": "Karnataka",
      "pincode": "560001",
      "city": "Bangalore",
      "street": "MG Road",
      "country": "India",
      "linked_to": "PAN"
    }
  ],
  "employment_details": {
    "uan": [
      {
        "uan": "200123456789",
        "member_id": "XYZAB00123450000005678",
        "establishment_id": "XYZAB0012345000",
        "exit_date": null,
        "joining_date": "2018-05-10",
        "leave_reason": null,
        "establishment_name": "ABC TECHNOLOGIES PVT LTD",
        "uan_linked_aadhaar": true
      }
    ],
    "recent_employment_details": {
      "employee_details": {
        "member_id": "XYZAB00123450000005678",
        "exit_date": null,
        "joining_date": "2018-05-10",
        "uan": "200123456789",
        "epfo": {
          "recent": true,
          "name_unique": true,
          "pf_filings_details": true
        },
        "employed": true,
        "employee_name_match": true,
        "exit_date_marked": false
      },
      "employer_details": {
        "establishment_id": "XYZAB0012345000",
        "establishment_name": "ABC TECHNOLOGIES PVT LTD",
        "setup_date": "2012-03-15",
        "ownership_type": "Private Limited Company",
        "employer_confidence_score": 85.5,
        "employer_name_match": true,
        "pf_filing_details": [
          {
            "total_amount": 32145678,
            "employees_count": 5678,
            "wage_month": "JAN-25"
          }
        ]
      }
    }
  },
  "mobile_number_intelligence": {
    "is_valid_number": true,
    "subscriber_status": "CONNECTED",
    "connection_type": "PREPAID",
    "current_service_provider": "AIRTEL",
    "original_service_provider": "AIRTEL",
    "network_region": "India",
    "is_ported": false
  },
  "credit_score": 805,
  "risk_intelligence": {
    "is_safe": false,
    "risk_level": "LOW",
    "risk_reason": "Inactive SIM",
    "risk_description": "SIM inactive or unused for an extended period",
    "added_on": "2025-06-23T12:42:10Z",
    "last_updated_on": "2025-09-09T17:00:11Z"
  }
}

POST

mobile360

otp

verify

Mobile 360 Verify OTP

curl --request POST \
  --url https://sandbox.cashfree.com/verification/mobile360/otp/verify \
  --header 'Content-Type: application/json' \
  --header 'x-api-version: <x-api-version>' \
  --header 'x-client-id: <api-key>' \
  --header 'x-client-secret: <api-key>' \
  --data '
{
  "verification_id": "test_verification_id",
  "otp": "123456"
}
'

{
  "verification_id": "test_verification_id_123",
  "reference_id": 987654,
  "status": "SUCCESS",
  "personal_details": {
    "full_name": "JOHN SNOW",
    "gender": "MALE",
    "total_income": "500000",
    "occupation": "Software Engineer",
    "age": 30,
    "dob": "1994-05-10",
    "relatives_details": [
      {
        "relation": "FATHER",
        "relative_name": "Alice Doe"
      }
    ]
  },
  "phone_numbers": [
    {
      "type": "MOBILE",
      "phone": "9999999999",
      "linked_to": "CREDIT"
    }
  ],
  "emails": [
    {
      "email": "[email protected]",
      "linked_to": "PAN"
    }
  ],
  "passport_details": [
    {
      "passport_number": "PA123456",
      "linked_to": "CREDIT"
    }
  ],
  "bank_account_details": [
    {
      "bank_account": "123456789012",
      "ifsc": "HDFC0001234",
      "bank_address": "MG Road, Bangalore",
      "linked_to": "UAN"
    }
  ],
  "aadhaar_details": [
    {
      "masked_aadhaar_number": "XXXXXXXX8848",
      "linked_to": "PAN"
    }
  ],
  "ration_card_details": [
    {
      "ration_card_number": "TN1234567890",
      "linked_to": "CREDIT"
    }
  ],
  "driving_license_details": [
    {
      "driving_license_number": "KA0120198900984",
      "linked_to": "CREDIT"
    }
  ],
  "voter_details": [
    {
      "voter_id": "UAI4574761",
      "linked_to": "CREDIT"
    }
  ],
  "pan_details": [
    {
      "pan_number": "ABCDE1234F",
      "metadata": {
        "registered_name": "JOHN SNOW",
        "name_pan_card": "JOHN SNOW",
        "type": "Individual or Person",
        "aadhaar_linked": true
      }
    }
  ],
  "addresses": [
    {
      "address": "123, 4th Cross, MG Road",
      "type": "Primary",
      "state": "Karnataka",
      "pincode": "560001",
      "city": "Bangalore",
      "street": "MG Road",
      "country": "India",
      "linked_to": "PAN"
    }
  ],
  "employment_details": {
    "uan": [
      {
        "uan": "200123456789",
        "member_id": "XYZAB00123450000005678",
        "establishment_id": "XYZAB0012345000",
        "exit_date": null,
        "joining_date": "2018-05-10",
        "leave_reason": null,
        "establishment_name": "ABC TECHNOLOGIES PVT LTD",
        "uan_linked_aadhaar": true
      }
    ],
    "recent_employment_details": {
      "employee_details": {
        "member_id": "XYZAB00123450000005678",
        "exit_date": null,
        "joining_date": "2018-05-10",
        "uan": "200123456789",
        "epfo": {
          "recent": true,
          "name_unique": true,
          "pf_filings_details": true
        },
        "employed": true,
        "employee_name_match": true,
        "exit_date_marked": false
      },
      "employer_details": {
        "establishment_id": "XYZAB0012345000",
        "establishment_name": "ABC TECHNOLOGIES PVT LTD",
        "setup_date": "2012-03-15",
        "ownership_type": "Private Limited Company",
        "employer_confidence_score": 85.5,
        "employer_name_match": true,
        "pf_filing_details": [
          {
            "total_amount": 32145678,
            "employees_count": 5678,
            "wage_month": "JAN-25"
          }
        ]
      }
    }
  },
  "mobile_number_intelligence": {
    "is_valid_number": true,
    "subscriber_status": "CONNECTED",
    "connection_type": "PREPAID",
    "current_service_provider": "AIRTEL",
    "original_service_provider": "AIRTEL",
    "network_region": "India",
    "is_ported": false
  },
  "credit_score": 805,
  "risk_intelligence": {
    "is_safe": false,
    "risk_level": "LOW",
    "risk_reason": "Inactive SIM",
    "risk_description": "SIM inactive or unused for an extended period",
    "added_on": "2025-06-23T12:42:10Z",
    "last_updated_on": "2025-09-09T17:00:11Z"
  }
}

Key data fields of Mobile360 OTP Response

The following table outlines the key data fields returned in the OTP verification response:

Field	Description
PERSONAL_DETAILS	Provides personal information such as full name, gender, date of birth, age, income, and occupation.
RELATIVE_DETAILS	Provides information about family members, including their names and relationships.
BANK_ACCOUNT_DETAILS	Contains banking information such as account number, IFSC code, bank address, and associated linkage.
UAN_EMPLOYMENT_DETAILS	Contains employment records linked to a UAN, including member ID, establishment ID, joining and exit dates, and Aadhaar linkage status.
RECENT_EMPLOYMENT_DETAILS	Provides recent employment history, including employee and employer details, EPFO verification, and PF filing data.
PAN	Contains the PAN number associated with the individual.
PAN_METADATA	Provides metadata related to the PAN, such as the registered name, name on the card, type, and Aadhaar linkage status.
PHONE_LIST	Lists phone numbers associated with the individual, including the number type and linkage source.
EMAIL_LIST	Lists email addresses associated with the individual and their linkage sources.
PASSPORT_NUMBER	Contains the passport number and associated linkage information.
AADHAAR_NUMBER	Provides a masked Aadhaar number and its source of linkage.
RATION_CARD	Contains the ration card number and linkage information.
DRIVING_LICENSE	Contains the driving license number and associated linkage.
VOTER_ID	Contains the voter ID and its linkage information.
ADDRESS_LIST	Lists known addresses, including full address, city, state, pincode, and linkage source.
MOBILE_NUMBER_INTELLIGENCE	Provides key insights about the mobile number, including its validity, connection status, and service provider details.
CREDIT_SCORE	Provides the individual’s credit score as a numeric value.
RISK_INTELLIGENCE	Provides risk insights about the mobile number, including is safe, risk level, reason, description, and relevant timestamps.

Authorizations

x-client-id

string

header

required

Your unique client identifier issued by Cashfree. You can find this in your Merchant Dashboard.

x-client-secret

string

header

required

The secret key associated with your client ID. Use this to authenticate your API requests. You can find this in your Merchant Dashboard.

Headers

x-cf-signature

string

Send the signature if two-factor authentication is selected as Public Key. More details

x-api-version

string

default:2024-12-01

required

API version to be used. Format is in YYYY-MM-DD.

Example:

"2024-12-01"

Body

application/json

Find the request parameters for Mobile 360 Verify OTP

verification_id

string

default:test_verification_id

required

The same unique ID provided during the Send OTP request.

Example:

"test_verification_id"

otp

string

default:123456

required

The OTP sent to the mobile number provided in the Send OTP request.

Example:

"123456"

Response

Response for Mobile360 Verify OTP.

verification_id

string

Unique ID of the verification request.

Example:

"test_verification_id_123"

reference_id

integer

Unique reference ID for the transaction.

Example:

987654

status

string

It displays the status of the API request. Possible values are

SUCCESS: Data has been successfully fetched using the provided mobile number.
DETAILS_NOT_FOUND: No data for the given mobile number could be retrieved.

Example:

"SUCCESS"

personal_details

object

Personal information of the individual.

Show child attributes

personal_details.full_name

string

Full name of the individual.

Example:

"JOHN SNOW"

personal_details.gender

string

Gender of the individual.

Example:

"MALE"

personal_details.total_income

string

Total income of the individual.

Example:

"500000"

personal_details.occupation

string

Occupation of the individual.

Example:

"Software Engineer"

personal_details.age

string

Age of the individual.

Example:

30

personal_details.dob

string

Date of birth of the individual.

Example:

"1994-05-10"

personal_details.relatives_details

object[]

Show child attributes

personal_details.relatives_details.relation

string

Example:

"FATHER"

personal_details.relatives_details.relative_name

string

Example:

"Alice Doe"

phone_numbers

object[]

Show child attributes

phone_numbers.type

string

Example:

"MOBILE"

phone_numbers.phone

string

Example:

"9999999999"

phone_numbers.linked_to

string

Example:

"CREDIT"

emails

object[]

Show child attributes

emails.email

string

Example:

"[email protected]"

emails.linked_to

string

Example:

"PAN"

passport_details

object[]

Show child attributes

passport_details.passport_number

string

Example:

"PA123456"

passport_details.linked_to

string

Example:

"CREDIT"

bank_account_details

object[]

Show child attributes

bank_account_details.bank_account

string

Example:

"123456789012"

bank_account_details.ifsc

string

Example:

"HDFC0001234"

bank_account_details.bank_address

string

Example:

"MG Road, Bangalore"

bank_account_details.linked_to

string

Example:

"UAN"

aadhaar_details

object[]

Show child attributes

aadhaar_details.masked_aadhaar_number

string

Example:

"XXXXXXXX8848"

aadhaar_details.linked_to

string

Example:

"PAN"

ration_card_details

object[]

Show child attributes

ration_card_details.ration_card_number

string

Example:

"TN1234567890"

ration_card_details.linked_to

string

Example:

"CREDIT"

driving_license_details

object[]

Show child attributes

driving_license_details.driving_license_number

string

Example:

"KA0120198900984"

driving_license_details.linked_to

string

Example:

"CREDIT"

voter_details

object[]

Show child attributes

voter_details.voter_id

string

Example:

"UAI4574761"

voter_details.linked_to

string

Example:

"CREDIT"

pan_details

object[]

Show child attributes

pan_details.pan_number

string

Example:

"ABCDE1234F"

pan_details.metadata

object

Show child attributes

pan_details.metadata.registered_name

string

Example:

"JOHN SNOW"

pan_details.metadata.name_pan_card

string

Example:

"JOHN SNOW"

pan_details.metadata.type

string

Example:

"Individual or Person"

pan_details.metadata.aadhaar_linked

boolean

Example:

true

addresses

object[]

Show child attributes

addresses.address

string

Example:

"123, 4th Cross, MG Road"

addresses.type

string

Example:

"Primary"

addresses.state

string

Example:

"Karnataka"

addresses.pincode

string

Example:

"560001"

addresses.city

string

Example:

"Bangalore"

addresses.street

string

Example:

"MG Road"

addresses.country

string

Example:

"India"

addresses.linked_to

string

Example:

"PAN"

employment_details

object

Employment details of the individual.

Show child attributes

employment_details.uan

object[]

Show child attributes

employment_details.uan.uan

string

Example:

"200123456789"

employment_details.uan.member_id

string

Example:

"XYZAB00123450000005678"

employment_details.uan.establishment_id

string

Example:

"XYZAB0012345000"

employment_details.uan.exit_date

string | null

Example:

null

employment_details.uan.joining_date

string

Example:

"2018-05-10"

employment_details.uan.leave_reason

string | null

Example:

null

employment_details.uan.establishment_name

string

Example:

"ABC TECHNOLOGIES PVT LTD"

employment_details.uan.uan_linked_aadhaar

boolean

Example:

true

employment_details.recent_employment_details

object

Show child attributes

employment_details.recent_employment_details.employee_details

object

Show child attributes

employment_details.recent_employment_details.employee_details.member_id

string

Example:

"XYZAB00123450000005678"

employment_details.recent_employment_details.employee_details.exit_date

string | null

Example:

null

employment_details.recent_employment_details.employee_details.joining_date

string

Example:

"2018-05-10"

employment_details.recent_employment_details.employee_details.uan

string

Example:

"200123456789"

employment_details.recent_employment_details.employee_details.epfo

object

Show child attributes

employment_details.recent_employment_details.employee_details.epfo.recent

boolean

Example:

true

employment_details.recent_employment_details.employee_details.epfo.name_unique

boolean

Example:

true

employment_details.recent_employment_details.employee_details.epfo.pf_filings_details

boolean

Example:

true

employment_details.recent_employment_details.employee_details.employed

boolean

Example:

true

employment_details.recent_employment_details.employee_details.employee_name_match

boolean

Example:

true

employment_details.recent_employment_details.employee_details.exit_date_marked

boolean

Example:

false

employment_details.recent_employment_details.employer_details

object

Show child attributes

employment_details.recent_employment_details.employer_details.establishment_id

string

Example:

"XYZAB0012345000"

employment_details.recent_employment_details.employer_details.establishment_name

string

Example:

"ABC TECHNOLOGIES PVT LTD"

employment_details.recent_employment_details.employer_details.setup_date

string

Example:

"2012-03-15"

employment_details.recent_employment_details.employer_details.ownership_type

string

Example:

"Private Limited Company"

employment_details.recent_employment_details.employer_details.employer_confidence_score

number<float>

Example:

85.5

employment_details.recent_employment_details.employer_details.employer_name_match

boolean

Example:

true

employment_details.recent_employment_details.employer_details.pf_filing_details

object[]

Show child attributes

employment_details.recent_employment_details.employer_details.pf_filing_details.total_amount

integer

Example:

32145678

employment_details.recent_employment_details.employer_details.pf_filing_details.employees_count

integer

Example:

5678

employment_details.recent_employment_details.employer_details.pf_filing_details.wage_month

string

Example:

"JAN-25"

mobile_number_intelligence

object

Provides intelligence on mobile number.

Show child attributes

mobile_number_intelligence.is_valid_number

boolean

Whether the provided phone number is valid.

Example:

true

mobile_number_intelligence.subscriber_status

string

Current network status of the subscriber.

Example:

"CONNECTED"

mobile_number_intelligence.connection_type

string

Type of mobile connection.

Example:

"PREPAID"

mobile_number_intelligence.current_service_provider

string

Name of the current mobile network provider.

Example:

"AIRTEL"

mobile_number_intelligence.original_service_provider

string

Name of the original mobile network provider before any porting.

Example:

"AIRTEL"

mobile_number_intelligence.network_region

string

Region or location associated with the mobile number.

Example:

"India"

mobile_number_intelligence.is_ported

boolean

Indicates whether the number has been ported to a different service provider.

Example:

false

credit_score

integer

Credit score of the individual.

Example:

805

risk_intelligence

object

Provides risk intelligence analysis for the mobile number.

Show child attributes

risk_intelligence.is_safe

boolean

Indicates whether the mobile number is considered safe from a risk perspective.

Example:

false

risk_intelligence.risk_level

string

The assessed risk level of the mobile number.

Example:

"LOW"

risk_intelligence.risk_reason

string

Reason for the risk assessment.

Example:

"Inactive SIM"

risk_intelligence.risk_description

string

Detailed description of the identified risk factors.

Example:

"SIM inactive or unused for an extended period"

risk_intelligence.added_on

string<date-time>

Timestamp when the risk intelligence data was first added.

Example:

"2025-06-23T12:42:10Z"

risk_intelligence.last_updated_on

string<date-time>

Timestamp when the risk intelligence data was last updated.

Example:

"2025-09-09T17:00:11Z"

Mobile 360 Send OTP Request Get Employment Details

⌘I

Secure ID APIs

V2

V1 (Depricated API's)

Mobile 360 Verify OTP

Authorizations

Headers

Body

Response