Cashfree’s Video KYC (VKYC) is a digital solution that enables businesses to verify customer identities remotely through a secure, agent-assisted video call. It helps businesses meet RBI-mandated Know Your Customer (KYC) requirements with a seamless, scalable, and easy-to-integrate process.

​
Key features

  • Capture customer photograph: Capture a live photograph of the user and match it against the photo on an official KYC document (for example, Aadhaar Card). The photograph must be of high quality, and the system should function effectively even in low-bandwidth environments.

  • Verify user identity: Verify the user’s identity using OTP-based OKYC or by allowing manual upload of Aadhaar details. The Aadhaar data must match data from verified sources.

  • Capture PAN card image: Capture an image of the user’s PAN card to extract relevant details. These details are then validated against trusted data sources.

  • Geo-tagging: Ensure the user’s location is within India, as required for compliance with RBI regulations.

  • Liveness check: A registered entity (RE) agent performs a liveness check to confirm that the user is physically present. During the check, the agent asks the user to read a randomly generated 4-digit number.

  • Agent assignment: As per RBI guidelines, VKYC must be completed with the help of a live agent. An agent assignment module is required to manage this flow.

  • Concurrent audit: Each VKYC session is logged. These logs are subject to audit by both Cashfree and Cashfree merchants to ensure compliance with regulatory requirements.

​
Integration options

Cashfree provides two options for integrating Video KYC based on your application flow:

  • API-based integration for full control of the user experience

  • SDK-based integration for an embedded, in-app experience

​
Video KYC using APIs

Use this option if you want to manage the entire VKYC workflow through your backend and present a custom user interface.

  1. Create a user: Register the user using the Create User for Secure ID Suite API. This step is required before you initiate the VKYC session. The user profile includes basic details such as phone number, name, and address, and is required to initiate the KYC process.

  2. Initiate the Video KYC session: Start the VKYC session using the Initiate Video KYC Request API by generating a secure verification link. The link is sent through selected notification channels (SMS, email, or WhatsApp) and can be customised using user and agent templates.

  3. Get the VKYC status: Retrieve the current VKYC session status using the Get Video KYC Status API. Use this to check if the session is pending, in progress, completed, or failed.

​
Video KYC using the SDK

Use this option if you want to embed the VKYC flow directly into your mobile or web application using the Cashfree SDK.

  1. Create an authentication token: Generate an auth token using the Create Auth Token API. This token is required to initialise the SDK and allows you to bypass OTP verification if the user is already authenticated in your app.

  2. Create a user: Register the user using the Create User for Secure ID Suite API. This step must be completed before you initiate the VKYC session.

  3. Initiate the Video KYC session: Start the VKYC session using the Initiate Video KYC Request API and pass the user ID and authentication token to the SDK.

  4. Get the VKYC status: Retrieve the current VKYC session status using the Get Video KYC Status API.

Notes: For detailed API documentation, refer to Video KYC API Integration.