Video KYC Steps

We offer two ways of doing the video kyc for the user, the first one being the Complete video kyc being done by Happay, where the customer just needs to hit the “Initiate Video KYC” API further which a link will be passed in the response where the user can directly go to and complete their video KYC. The steps that happen there are mentioned below.

The other way of doing the KYC is by individually calling the different APIs of the Video KYCs present at our end. For which the steps are mentioned below as well.

Step 1 - Consent form: In this step, the user has to sign the consent form which has to be made by the client which mentions that the user gives his consent to happay in order to fetch his KYC data from the gov. Database.

Step 2 - Location Verification: The first step towards the Video KYC verification is location verification i.e. in this step we verify whether the user doing the KYC is physically present in the country or not. This is done by capturing the IP address and the lat-long of the user, which the customer provides while they hit our location verification API.

Step 3 Photo Verification: In this step the user's live photo is captured and is matched with the user's image fetched from the Govt. database and if the match is above 70% then the same is approved, and if the match is lesser than 70% but greater than 40% then in this case the same is transferred to be manually checked and approved by the operations team.

Step 4 - Pan Verfication: Verify PAN details with/without CKYC. In this step the users PAN details are asked which is then verified using the govt. Database, in case you have opted for CKYC verification as well. We will search for the user's CKYC Record from the CERSAI’s database and return a response if it is found or it is not. IF the CKYC details are found and the details match with the details given by the user during onboarding, then we verify the same and proceed to the next step, if the users CKYC details are not found we return the same in the response.

Step 5: Verify Aadhar details: In this step, if the user’s CKYC record is not found then we ask the user to enter his/her Aadhaar details which are further fetched from the UIDAI’s database. This form of KYC where the Aadhar and PAN details are captured and verified is termed limited kyc.

Once all these steps are completed the user’s KYC is verified a classified into 3 statuses

1. Approved(Full KYC)

2. Approved(limited KYC)

3. Declined

4. Pending

The APIs used for the above steps are:

1. Photo Liveness Verification ( /api/v1/video-kyc/user/photo-liveness)

2. Location Verification ( /api/v1/video-kyc/user/location-verification)

3. Pan verification (/api/v1/video-kyc/user/pan-verification) (Includes consent form) or

Pan verification with CKYC (/api/v2/video-kyc/user/pan-verification) (Includes consent form)

1. Aadhaar XML Verification (/api/v1/video-kyc/user/aadhaar-verification)

2. Verify user CKYC (/api/v1/video-kyc/user/ckyc/verify)

All the information regarding the API is represented in the ISAC portal under API references - KYC.