INOVITY INDIA

Paytech Private Limited
API Sandbox
Server Uptime: 99.99%

Architecting Trust At Enterprise Scale.

Inovity India Paytech provides the digital infrastructure for seamless B2B financial onboarding. Deploy military-grade KYC, Bureau Reports, and Verification endpoints via a single, unified API.

Explore APIs API Documentation

AES-256

Encryption

50M+

API Calls/Month

<200ms

Latency

ISO

27001 Certified

Unified Endpoints

Our Core API Products

PAN Verification API

Directly linked with NSDL/UTIITL databases. Instantly verify PAN status, fetch the cardholder's exact name, and validate Aadhaar seeding status in milliseconds.

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RC Verification API

Extract definitive vehicle details from the central VAHAN registry. Retrieve owner name, chassis number, engine number, vehicle class, and active insurance/fitness validity.

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E-Challan Fetch API

Mitigate fleet and vehicle risk by fetching real-time traffic violation data. Access pending challans, state-wise penalty amounts, violation details, and payment statuses.

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CIBIL Credit Report API

Deep integration with TransUnion CIBIL. Securely pull consumer (CIR) and commercial credit scores, active loan trade-lines, DPDs, and historical payment behaviors.

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Experian Report API

Access highly detailed Experian credit risk profiles. Streamline your lending decisions with parsed JSON arrays or full PDF reports for both retail and corporate borrowers.

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Complete KYC Engine

A holistic suite including Voter ID, Driving License, Passport, and Face Liveness APIs to establish iron-clad identity verification for digital onboarding.

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Industry Standard

Your business is safe with us

Inovity India Paytech ensures your business stays protected, trusted, and ready for growth.

bsi.
ISO/IEC 27001
ISO/IEC 27001:2013 Certified
256-BIT
256-bit Encryption
ISO 30107-1/30107-3 Level 2 Compliant
ISO/30107 Level 2 Compliant
DPDP READY
DPDP READY
GDPR READY
GDPR READY
ISO 27017
ISO 27017
iBeta ✔
LEVEL 2 ISO 30107-3
LEVEL 2 ISO 30107-3
AICPA SOC
AICPA SOC
The Inovity Advantage

Engineered For Scale and Compliance.

We don't just provide APIs; we provide the backbone for India's leading financial platforms. Our architecture ensures that NBFCs, Banks, and FinTechs can onboard customers seamlessly without compromising on regulatory strictness.

  • Single Integration Architecture

    One API key grants access to 50+ verification modules. No need to manage multiple vendor integrations.

  • Direct Bureau & Govt Connectivity

    Zero middle-man caching. We pull data directly from CIBIL, Experian, NSDL, and VAHAN servers in real-time.

  • Dedicated Developer Support

    Get a dedicated Slack/WhatsApp channel with our core engineers during your integration phase.

Documentation

API Integration FAQs

How accurate is the PAN Verification API? +
Our PAN Verification API is 100% accurate as it fetches data directly from the NSDL (National Securities Depository Limited) databases in real-time. It returns the exact name registered with the Income Tax Department and indicates if the PAN is linked to Aadhaar.
What details are returned by the RC Verification API? +
Upon passing a valid vehicle number, the API returns comprehensive VAHAN data including: Owner Name, Chassis Number (masked/unmasked based on permissions), Engine Number, Vehicle Class, Registration Date, Insurance Validity, PUCC Status, and Financer Details (if hypothecated).
Does the E-Challan API work for all states in India? +
Yes, our E-Challan API interfaces with the national Parivahan portal, providing pan-India coverage. It retrieves a list of all pending challans, date and time of the violation, specific traffic rules broken, and the exact penalty amount due.
How do the CIBIL and Experian Credit Report APIs format the data? +
We provide dual formatting. Your system can consume the highly structured **JSON response** (perfect for LMS decision engines to parse DPDs, current balances, and scores instantly) or request the raw **PDF Report** for manual underwriting and compliance archiving.
What is the onboarding process for Inovity APIs? +
The process takes less than 24 hours. Once your corporate agreement is signed, we immediately issue Sandbox API keys. After successful UAT (User Acceptance Testing) on your end, Production keys are generated instantly.