VerificationBank account · PAN · GST · KYC · KYB
Verify customers, businesses and accounts before money moves.
- Bank account: penny drop, penny-less, UPI ID
- PAN and GST checks
- KYC layers and business verification
- Sandbox and production keys
Names and results shown are examples. Checks available for your business are confirmed during onboarding.
- Bank accountAccount exists · name returned by bankASHA VERMA✓ Done
- PANValid · name on recordASHA VERMA✓ Done
- GSTStatus · legal nameActive · Asha Traders✓ Done
- Business (KYB)Entity and people behind itReview 1 item▲ Needs review
- Checks
- Bank, PAN, GST, KYC, KYB
- Integration
- Same pattern as payments
- Testing
- Sandbox keys
- Availability
- Confirmed at onboarding
Choose your checks
One question per check
- Bank account verificationDoes the account exist, and whose is it?Read the guide
- Penny dropA small credit to the account returns the bank's name for it.Read the guide
- Penny-lessCheck an account without moving money.Read the guide
- PAN verificationIs the PAN valid, and whose is it?Read the guide
- GST verificationIs the GSTIN active, and what's the legal name?Read the guide
- KYCWho is this person, and are they who they say?Read the guide
- KYBIs the business real, and who is behind it?Read the guide
- Aadhaar: what to knowA guide only. This site doesn't say LILPE offers Aadhaar authentication.Read the guide
Why LILPE
Checks that plug into the rest of your payment stack
One request pattern
Verification uses the same integration pattern as payments and payouts.
Status notifications
Notifications when a verification changes status, so your systems don't poll.
Sandbox and production
Separate keys and data for testing and live checks.
How it works
Where checks fit in onboarding
- 1
Sign-up
Collect the details each check needs, with consent where the law requires it.
- 2
Person and business
PAN, GST, KYC layers and KYB, depending on who you onboard.
- 3
Bank account
Confirm the account before the first payout or refund.
- 4
Decide or review
Approve clear results; send mismatches to a reviewer with the reason.
Who it's for
Who verifies before money moves
- Lenders and NBFCsBorrower identity and the account a loan is disbursed to.
- MarketplacesSeller identity, business and settlement account before the first payout.
- Payout-heavy businessesVendors, gig workers and refunds: the right account, every time.
- B2B platformsBusiness customers verified with GST and KYB checks.
- InsurancePolicyholders and the accounts claims are paid to.
- Fintech appsLayered onboarding that keeps genuine users moving.
FAQ
Verification questions
Which verification checks does LILPE offer?
Which checks are available through LILPE, in what form and what each returns, is confirmed during onboarding. The guides linked on this page explain how each check works and what to look for.
What's the difference between KYC and verification?
Regulated KYC is a legal obligation for entities regulated by RBI, set out in its KYC Master Direction. Many other businesses run similar checks for their own risk reasons. LILPE provides verification checks; it doesn't take on a regulated entity's KYC obligations.
Penny drop or penny-less: which should I use?
A penny drop sends a small amount to the account and reads back the name the bank holds for it. A penny-less check confirms the account without moving money. Which methods are available, and what each returns, is confirmed during onboarding.
Does LILPE offer Aadhaar authentication?
This site doesn't say LILPE offers Aadhaar authentication. Online Aadhaar authentication is available only through entities UIDAI has approved; our Aadhaar guide explains what to check before using any Aadhaar-based method.
Can we test checks before going live?
Yes. Sandbox and production use separate keys and data, and sandbox access is provided during onboarding.
Get started
Talk to us about verification
- Which checks your onboarding needs
- What each check returns for your business
- Sandbox access during onboarding
Which checks are available through LILPE, in what form and what each returns, is confirmed during onboarding.
Talk to us about Verification
Tell us a little about your business and we'll get back to you.
Build onboarding checks that fit your obligations
Tell us who you onboard and what you're required to check. We'll walk through the checks that fit.