DigiLocker is a government-backed platform that enables users to securely store and share official documents. By integrating DigiLocker with Cashfree, you can offer a consent-based KYC process that supports documents such as Aadhaar, PAN, and Driving License. This solution helps you comply with the latest UIDAI guidelines and the Digital Personal Data Protection (DPDP) Act. You can implement it using a simple API flow with minimal code changes.

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Use cases

The following are key use cases for DigiLocker:

  • Verify Aadhaar and PAN during account opening and loan processing for banking and NBFC services.
  • Confirm user identity using Aadhaar and PAN before disbursing loans in micro-lending platforms.
  • Perform identity verification during loan processing in insurance workflows.
  • Validate Aadhaar and PAN for user registration and wallet onboarding in payments and fintech services.
  • Complete full KYC, including Aadhaar and PAN verification, before onboarding users on trading and investment platforms.

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Why choose Cashfree?

  • UIDAI and DPDP compliant: Fully legal and compliant for all merchants.
  • Consent-based verification: Users log in to DigiLocker and explicitly approve the sharing of their Aadhaar document.
  • User control and privacy: Aadhaar data is not exposed to merchants without user action. Data is retrieved securely via the government infrastructure.
  • Multiple document types supported: Retrieve Aadhaar, PAN, Driving License, and more.
  • Familiar and trusted interface: Users are redirected to the DigiLocker portal, increasing trust.
  • No code changes are needed: The response fields remain unchanged from the previous OKYC process.

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Verification flow

Follow these steps to complete the verification using DigiLocker through Cashfree:

  1. Verify account: Use the Verify Account API to check whether the user’s mobile number or Aadhaar number is registered with DigiLocker.

  2. Generate DigiLocker link: Use the Create URL API to create a DigiLocker URL to retrieve and verify Aadhaar, PAN, and driving-license information of your customer. Cashfree returns a unique consent URL for DigiLocker.

  3. Redirect for login and consent: Redirect the user to the DigiLocker URL in a browser or web view.
    The user logs in using an Aadhaar-linked mobile number or Aadhaar number and enters the OTP.
    After logging in, the user sees a consent screen and approves the document-sharing request.

  4. Check verification status: Use the Get Verification Status API to get the status of the DigiLocker verification using the verification ID or reference ID.
    Status values include:

    • PENDING: The user hasn’t completed the flow.
    • AUTHENTICATED: The user has successfully logged in and consented.
    • EXPIRED: The link expired before completion.

  5. Retrieve document: After the user provides consent, use the Get Document API to get your customer’s document details from DigiLocker.

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Merchant dashboard flow

Use the following steps to test the DigiLocker verification flow in the Merchant Dashboard.

  1. Log in to the Merchant Dashboard using your credentials.

  2. Go to Secure ID Dashboard > Aadhaar/PAN > DigiLocker – Aadhaar.

  3. Select Verify Document.

  4. Select the verification type such as Aadhaar, PAN, or Driving License, and select Verify Now.

  5. Share the generated DigiLocker link with the customer.

  6. The customer completes the following steps:

    • Open the DigiLocker link.
    • Enter their Aadhaar-linked mobile number.
    • Enter the OTP sent to their registered mobile number and sign in.
    • Review the consent screen and select Allow to approve document sharing.

  7. Cashfree retrieves the verified document details from DigiLocker and shares them with you.