India's unified fintech API platform

One platform for KYC, KYB, Credit & Messaging

Verify identities, onboard businesses, pull credit reports and reach customers on SMS & WhatsApp — through a single REST integration, one prepaid wallet and one developer dashboard.

Get API access Open developer portal

20+: Live APIs
6: Product stacks
₹0.20: Starting / call
TEST + LIVE: Isolated environments

PAN verificationPOST /v1/kyc/pan/verify

TEST

PAN number

ABCDE1234F

Status Verified

Name matchMatched

Latency— ms

txn: KGN-TXN-7Q2F9ACharged from wallet

GSTIN lookup27AAECK••••1Z5

ActiveRegularMaharashtra

Live API feed

PAN/kyc/pan/verify200
GST/kyb/gst/verify200
IFSC/kyc/ifsc/verify200

api.kgnpay.in/portal

TESTLIVE

Wallet balance₹ 48,250.00Prepaid · auto-debit per call

API calls · 14d12,904▲ 18.2%

Success rate99.2%Healthy

Avg. latency142 msGateway p50

API usageLast 14 days

Usage by stackThis month

KYC5,214
KYB3,120
Bank2,208
Credit1,216
Messaging1,146

Illustrative preview of the KGNPAY developer portal.

Verification & messaging coverage across India's core registries and channels

PANAadhaar OKYCDigiLockerGSTINMCA · CINDINBank penny dropIFSCCredit bureauDocument OCRSMSWhatsAppOTP

Why KGNPAY

Replace a stack of vendors with one integration

Launching a financial product in India usually means juggling separate contracts, dashboards and error formats. KGNPAY brings them under one API, one wallet and one portal.

Single integration, every API

PAN, Aadhaar, DigiLocker, GSTIN, MCA, bank, credit, documents and messaging share one auth model, one response envelope and one set of error codes.

TEST first, LIVE when ready

Separate TEST and LIVE keys, wallets and logs. Integrate against production-shaped responses, then switch keys to go live — no code changes.

Pay per call, prepaid wallet

Top up once and every call is debited transparently, with a full statement and transaction ID. Pricing starts from ₹0.20 per call.

Product stacks

Six stacks. One platform.

Pick the verifications and channels you need — each API ships with docs, samples and a live Explorer in the portal.

One platform. Zero fragmentation.

From many vendors to a single gateway

Consolidate contracts, dashboards and billing into one place your engineering, product and finance teams can all use.

✕ Without KGNPAY

KYC vendorContract #1

KYB vendorContract #2

Credit bureauContract #3

SMS / WhatsAppContract #4

Multiple contracts & compliance reviews
Separate billing dashboards
Inconsistent error codes & formats
Different auth for every provider

✓ With KGNPAY

KGNPAY Gateway Unified API platform

KYCKYBBankCreditDocumentsMessaging

One integration, one wallet
One dashboard for usage, logs & billing
Consistent REST envelope & error codes
One API key model with TEST & LIVE

Developer-first

Ship your first call in minutes

Clean REST endpoints, predictable JSON envelopes and transaction IDs on every response — plus an in-portal API Explorer, request logs and signed webhooks.

Consistent success / code / data envelope
Per-request transaction IDs for support & reconciliation
Request logs, analytics and webhooks in the portal
OpenAPI spec for code generation

Read the docs OpenAPI spec

200 OK138 ms

{
  "success": true,
  "code": "KYC_PAN_OK",
  "message": "PAN verified",
  "data": { "status": "VALID", "nameMatch": true },
  "transactionId": "KGN-TXN-7Q2F9A"
}

Onboarding

From first call to production in four steps

01
Request access
Share your use case with our team and get your organization set up on the portal.
02
Build in TEST
Generate TEST keys and integrate using docs, samples and the API Explorer.
03
Fund your wallet
Top up the prepaid wallet — every call is debited with a clear statement.
04
Go LIVE
Switch to LIVE keys and monitor usage, logs and webhooks in real time.

Pricing

Transparent, pay-per-call pricing

Pay only for the calls you make from a prepaid wallet. Prices shown are standard list rates, loaded live from our catalog.

Prices exclude applicable taxes. Volume pricing and custom SLAs are available for enterprises, NBFCs and banks — talk to us.

Security & trust

Built for regulated workloads

Security controls are part of the platform, not an add-on — so sensitive data stays protected from request to response.

Encrypted in transit

TLS on every endpoint; API keys are stored hashed, never in plain text.

Consent-first flows

Identity APIs require explicit consent parameters, captured with each request.

Full audit trail

Every call carries a transaction ID and is logged for reconciliation and support.

Tenant isolation

Organization-scoped keys, wallets and logs with separate TEST and LIVE data.

FAQ

Frequently asked questions

Can't find what you're looking for? Email support@kgnpay.in.

How do we get started?

Request API access using the form below. Our team sets up your organization on the developer portal, where you can generate TEST keys and start integrating right away.

What is the difference between TEST and LIVE?

TEST and LIVE use separate API keys, wallets and request logs. Build and validate your integration in TEST, then switch to LIVE keys when you are ready for production traffic.

How does the prepaid wallet work?

You fund your wallet in advance and each billable API call is debited at the product's rate. The portal shows your balance, a full statement and a transaction ID for every debit.

Which APIs are available?

PAN, Aadhaar OKYC, DigiLocker, bank account and IFSC verification, GSTIN, CIN, DIN and company details, credit score and credit reports, document OCR, SMS, WhatsApp and OTP. The live catalog is always available in the portal.

Do all products work under one integration?

Yes. Every product uses the same authentication, the same response envelope and the same wallet, so adding a new verification is usually just a new endpoint call.

Do you offer volume or enterprise pricing?

Yes. For high-volume workloads, NBFCs and banks we offer custom pricing and SLAs. Contact us with your expected monthly volume.

Choose your workspace

Separate, secured panels for developers integrating our APIs and for administrators running the platform.

For developers & businesses

Developer portal

Build and run your integration — everything your engineering and finance teams need in one place.

TEST & LIVE API keys
Usage analytics & request logs
Prepaid wallet & statements
Webhooks, docs & API Explorer

Developer login Create account

Authorised staff only

Admin console

Operate the platform — manage organizations, products, pricing and providers with full audit trails.

Organizations & user management
Products, pricing & providers
Wallet credits & billing oversight
Audit logs & platform health

Admin login

Get started

Start building on KGNPAY APIs

Tell us about your use case and we'll set up your organization with TEST access so your team can start integrating.

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