User Verification

Overview

Unlock the potential of frictionless journeys by seamlessly verifying and onboarding your customers, merchants, or vendors using the UPI VPA Verification API Suite. This comprehensive suite empowers businesses to validate UPI IDs in real-time, ensuring the active status and accurate account holder information before processing payments.

Key Features

• Instant Verification: Quickly verify the active status and account holder's name linked to a UPI ID before releasing payments.
• Onboarding Excellence: Effortlessly onboard genuine merchants, vendors, or third parties with valid UPI IDs, facilitating smooth and secure transfers.
• Identity Protection: Mitigate identity fraud and theft risks by integrating UPI verification APIs, offering a streamlined approach to verify UPI IDs.

Decentro provides the below capabilities to check if a UPI handle is valid or invalid.

• Basic check: this allows any platform to use Decentro's capability to validate a UPI handle (VPA). This capability can be used to validate any VPA to check if its valid and to whom it belongs.
• Advanced check: this allows any platform to use Decentro's capability to validate a UPI handle (VPA) as well as fetch additioanal details. This capability also lets a platform additional details like linked bank account, type of account, etc.

In addition, Decentro allows a platform to leverage penny pull/reverse penny drop to fetch the bank account details without the user having to ask for it. Decentro powers 2 flows with this capability.

• Intent Flow: this allows any platform to use Decentro's capability to fetch a bank account with consent using UPI collections through any UPI app without having to ask the user to enter the VPA.
• Collect Flow: this allows any platform to use Decentro's capability to fetch a bank account with consent using UPI collections through a specific app by entering the stated VPA by the user.