PAN Name Verification

The businesses can configure these checks with our PAN Name Verification journey

Ownership Check

Journey Input Data

{
  "pan_no": "<10 Char PAN Input>"
}

Journey Output Data

{
  "transaction_id": "",
  "journey_transaction_id": "",
  "journey_id": "",
  "status": "SUCCESS|FAILURE|IN_PROGRESS",
  "status_code": "Refer to the table below",
  "message": "Refer to the table below",
  "decision": "CLEAR|MUST REVIEW|NEEDS REVIEW",
  "checks": [],
  "data": {
    "keys": {
      "pan": [
        {
          "pan_no": "XXXX",
          "name": "XXXX XXX",
          "source": "nsdl",
          "issuer": "",
          "decision": "",
          "checks": []
        }
      ]
    }
  }
}

📘
These journeys do not include any pre-configured Ownership or Fraud Checks. To add these checks, please contact your Account Manager.

Status Codes

Scenario	Http Status Code	status	status_code	message
When request is successful and PAN details are available.	200	SUCCESS	success	Request successful
When pan_no provided is not a valid PAN format	200	FAILURE	invalid_pan_no	pan_no is Invalid
When no details found at Source for given PAN Number	200	FAILURE	document_not_found	Entity not found
When Input doesn't contain the pan_no field.	400	FAILURE	invalid_request	pan_no is required
Invalid Client Credentials	401	FAILURE	invalid_credentials	Invalid Client Credentials
Any unhandled error from Equal end	500	FAILURE	internal_server_error	Something went wrong, please try again.
Too many requests	429	No object will be sent, throttling happens at the gateway level.
Service Unavailable	503

Status (Journey Status)

Possible Values	Description
SUCCESS	Shows that the verification process was completed successfully.
FAILURE	Indicates that the verification process did not succeed.
IN_PROGRESS	Signifies that the verification process is currently underway and has not yet been completed.

Decision

Possible Values	Description
CLEAR	Indicates that the verification has been completed and the information is confirmed as accurate and legitimate.
MUST REVIEW	Signifies that further review is needed due to potential issues or inconsistencies in the verification results.
NEEDS REVIEW	Suggests that the verification has identified areas that require further investigation or clarification before a final determination can be made.

📘
Journey ID will be shared as part of Onboarding

Key Descriptions

Key	Description
transaction_id	Unique identifier for the transaction.
journey_transaction_id	Unique identifier for the journey transaction, linking this transaction to a specific journey.
journey_id	Unique identifier for the journey that the transaction belongs to.
status	Indicates the current state of the transaction. Possible values: SUCCESS, FAILURE, IN_PROGRESS.
status_code	Code corresponding to the status of the transaction. Refer to the status code table.
message	Descriptive message providing details about the status.
decision	Outcome of the evaluation. Possible values: CLEAR, MUST REVIEW, NEEDS REVIEW.
checks	List of checks performed during the transaction.
pan	Array containing details of PAN-related information.
pan_no	The Permanent Account Number (PAN) in masked format.
name	Name associated with the PAN as retrieved from the source.
source	The source from which the PAN data was fetched, e.g., NSDL.
issuer	Entity that issued the key, if applicable.
decision	Outcome of the evaluation for the key. Possible values: CLEAR, MUST REVIEW, NEEDS REVIEW.
checks	List of checks performed specifically for this key.