Instant, Secure PAN Verification for a Lending Partner Network
A real-time PAN verification experience built into a partner mobile app, verifying merchants and loan applicants against official records in a single step, with full data protection and automatic name matching.
1-tap
PAN verification with auto-filled identity details
12
Business types identified automatically
0
Manual PAN document checks
WhatsApp messaging gets complicated at scale.
The platform needed to onboard a large network of merchant partners and accept loan applications from them, and every one of those records depended on a valid PAN. Collecting PAN details through photos or typed entries meant identity information was entered by hand, reviewed later, and often did not match official records. Nothing stopped the same PAN from being registered by two different partners, there was no easy way to tell an individual from a partnership firm or a company, and every later step, from document collection to bank account checks, relied on information that had never been confirmed.
Challenge 1
PAN details were entered manually, leading to typing errors, mismatched names and slow back-office review
Challenge 2
The same PAN could be registered under multiple partner accounts, opening the door to duplicate or fraudulent partners
Challenge 3
There was no automatic way to know whether a PAN belonged to an individual, a firm or a company, so the right documents could not be requested upfront
Challenge 4
Customer names entered by partners often differed from the legal name on the PAN, and nothing caught this before the application reached the lender
Challenge 5
PAN details are sensitive personal information and had to be protected at every stage
Requesting a full identity profile paid off, because one check powers form auto-fill, loan applications and later bank account name checks
Sensitive identity details need protection at every stage, not just between the phone and the platform
Keeping eligibility rules adjustable by the business team keeps onboarding flexible as policies change
Flexible name matching with a clear threshold strikes the right balance between a smooth customer experience and fraud prevention
Built with technologies we trust.
Project Goals
The Outcome
We built a digital PAN verification capability for a lending platform where merchants and small business owners sign up as partners and refer customers for loans. PAN verification sits at the heart of two journeys: onboarding a new merchant partner, and submitting a loan application for a customer. A partner simply types in a PAN, and within moments the platform confirms it against official records through the Authify eKYC service and fills in the verified name, date of birth, gender and address. It then identifies the type of business, prevents duplicate registrations, and checks that names match before anyone can move forward. The result is a slow, manual KYC step turned into an instant, one-tap experience, with PAN details protected at every stage of their journey.
Conclusion & Impact
"This project showed that PAN verification is much more than confirming a number. Treated as the first step in a customer's identity trail, it can decide eligibility, choose the right documents, prevent duplicates and confirm names later in the journey, all at once. By connecting to the Authify eKYC service securely and building smart business type detection and name matching around it, we turned a slow, manual KYC step into an instant, one-tap experience for merchant partners and their customers."
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