API Banking Use Cases

Open banking APIs enabling accounts, payments, reconciliation, onboarding, card issuing, ledgers, virtual accounts, compliance and embedded finance — customised for fintechs & enterprises.

Customer & Business Onboarding APIs

eKYC, PAN/Aadhaar validation, video KYC, CKYC fetch, KYB, GST fetch & bank verification APIs for seamless onboarding.

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Account Creation & Balance APIs

Create digital accounts, fetch balances, statements, mini-statements, transaction logs & real-time status APIs.

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IMPS, NEFT, RTGS, UPI Payment APIs

Real-time fund transfer APIs supporting IMPS, UPI, NEFT, RTGS, validation, status fetch & error resolution.

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Automated Payouts (Bulk/Instant)

Bulk disbursements, partner payouts, vendor payments, and real-time settlement APIs with webhook callbacks.

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Virtual Accounts & Collection APIs

Auto-reconciliation, payer mapping, real-time tracking, inward UPI/IMPS/NEFT collections & settlement routing.

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Card Issuing & Card Controls APIs

Create virtual/physical cards, set limits, freeze/unfreeze, webhook alerts, PIN management & usage controls.

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Ledger, GL & Transaction Posting APIs

Double-entry ledgering, GL sync, automated postings, reversal flows, adjustments & accounting events APIs.

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Reconciliation, Settlements & Webhooks

Real-time recon for payouts, transfers, collections, fees, splits, partner settlements & mismatch detection.

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Compliance, Fraud & Monitoring APIs

AML checks, sanctions lists, fraud screening, audit logs, user access governance, STR/SAR & compliance APIs.

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Enterprise API Banking Use Cases