FAQs - KYC

This section outlines some of the most important FAQs pertaining to the KYC module. If you have any other queries, please reach out to us at [email protected].

1. Do you also provide/link to the CKYC APIs?

Yes. We provide 2 types of integrations - aggregator & native. If you are a registered entity with CKYC credentials, you can integrate through Decentro and use your credentials to access CKYC information. Alternatively, you can also choose to access CKYC data using Decentro’s credentials.

2. Can you fetch Aadhaar data directly from the govt. database?

Private entities don’t have direct access to Aadhaar databases as per the new government regulations. Hence, we request you to ask your customers to download their Aadhaar XML file offline (i.e., on their devices) and then upload it to your website/app.

You can then hit our ‘Validate’ API inside the Public Registry sub-module of the KYC module, and upload the above file in the same way to complete the verification.

Alternatively, you can hit our Aadhaar XML APIs that fetch Aadhaar data from UIDAI in the backend with a captcha and OTP.

3. Can you fetch GST filing information?

Yes, we fetch the basic information around filing details like the date of filing, the month for which GST was filed, etc., as well as consent-based filing data.

4. What is advanced GST KYC verification?

There are two levels of data that can be fetched from the GSTN. The basic level will share information about the entity type, the company's status, the company name, and the GST number.

The advanced GST KYC check will also return the following additional information: primary business contact, place of business along with nature of the business conducted there, legal name of the company, nature of the business, jurisdiction, and verification of the GST number.

5. How to download the Aadhaar XML file?

The Aadhaar file can be downloaded in the PDF as well as XML format from the below-given websites
PDF: https://eaadhaar.uidai.gov.in/#/
XML: https://myaadhaar.uidai.gov.in/

6. How does OCR API work?

OCR stands for Optical Character Recognition. Using Decentro’s OCR API a user’s ID proof can be uploaded in PDF/JPEG/PNG format. Decentro will extract the relevant details like ID number, date of birth, Father’s name, etc in the API response.

7. Can I do a face match using Decentro’s KYC API?

Any platform can use the JSON output and verify the validity of the ID by using the Validate API.

Yes. You can do a face match with our Face Match API which can be found in the KYC Module.

8. How does Aadhaar XML work?

Aadhaar XML integrates with UDAI in the backend to fetch a customer’s Aadhaar data basis the Aadhaar number. The customer needs to enter a captcha and gets an OTP on the Aadhaar registered mobile number. If the customer enters the correct OTP, the Aadhaar-related information will be received.

9. In Aadhaar XML, does the OTP go to the UIDAI registered number?

Yes. The OTP goes from UIDAI to the customer and hence, the OTP always goes to the number registered with UIDAI only and not to any mobile number.

10. How does Aadhaar XML differ from the Aadhaar OTP process?

Aadhaar XML requires 1 additional step of captcha compared to the OTP process which is available to AUAs only. However, the major benefit of Aadhaar XML is that it is available to any registered entity in India compared to the AUA flow, which is available to only entities with AUA license, which is typically only banks as of now.

11. Can email & mob number be unhashed in response to Aadhar Validate API?

No, we cannot unhash this. We pass the response as-is from UIDAI. Also, it's not recommended due to privacy reasons.

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Test KYC APIs

You can test our KYC APIs here.