
Instant KYC and identity verification API for banks, fintechs, and payment platforms
AOPay KYC is an India-based identity verification and Know Your Customer (KYC) platform built for banks, fintechs, NBFCs, payment gateways, and digital financial services. The platform automates the entire KYC onboarding process through a unified API layer that combines AI-powered document authentication, biometric liveness detection, Aadhaar and PAN verification, and global AML screening. It delivers identity verification results in under 30 seconds and supports 10,000+ document types from 220+ countries, enabling compliant, frictionless customer onboarding at scale. AOPay is trusted by 1,000+ financial institutions across India and targets regulated industries that must meet RBI and global compliance standards.
Instantly verifies Indian national ID (Aadhaar) and PAN card details via direct API integration with government data sources for compliant onboarding.
Uses machine learning and OCR to authenticate 10,000+ identity document types from 220+ countries including passports, driver's licenses, and national IDs.
Facial recognition with liveness checks prevents spoofing and ensures the person submitting documents is physically present and authentic.
Real-time anti-money laundering screening against global watchlists and sanctions databases as part of the KYC verification workflow.
Returns identity verification results in under 30 seconds, enabling near-instant customer onboarding without manual review delays.
AI-driven fraud signals detect document tampering, identity spoofing, and anomalous onboarding patterns before accounts are created.
Digital lenders, neobanks, and payment apps in India use AOPay to instantly verify new users and meet RBI KYC mandates without manual review.
Non-banking financial companies and cooperative societies automate PMLA-compliant KYC and AML screening for loan applicants.
Payment gateways integrate AOPay's identity verification to reduce fraudulent account creation and chargebacks at merchant onboarding.
Single API integration unlocks the full suite of KYC, KYB, and banking services, making it easy to enable only the verification steps needed.
Built-in audit trails and compliance reporting help regulated entities meet RBI, PMLA, and global KYC/AML regulatory requirements.

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