Bharat Taxi
Mobility
Confirm a bank account genuinely belongs to a PAN holder, with a name-match score, in under 400ms, before a payout ever leaves your system.
Fast, secure, and compliant verification built for real-world scale.
Returns an explicit isLinked flag instead of assuming an account belongs to the PAN holder because the numbers were entered together.
Purpose-built to sit before a disbursement, refund or payroll transfer, not just at account opening.
A nameMatchScore quantifies how closely the account holder's name matches the PAN record, not just a binary yes or no.
Results return in under 400ms, fast enough to check before every payout batch.
Veriqos PAN to Account Linkage API checks whether a bank account and IFSC are genuinely linked to a given PAN, returning a linkage flag and a name-match score, so a disbursement or refund can't accidentally land in an account that isn't actually the PAN holder's.
Sending a loan disbursement or refund to an account that isn't linked to the intended PAN holder is a costly, hard-to-reverse mistake this check prevents.
A low nameMatchScore is a signal to hold a payout for manual review instead of processing it automatically.
New to this term? See our glossary definition of PAN Verification API.
Trusted across industries for fast, compliant verification.
Confirm the disbursement account belongs to the borrower before releasing a loan.
Verify employee bank accounts are genuinely linked to their PAN before a payroll run.
Confirm claim settlement accounts match the policyholder's PAN before disbursing funds.
Check account linkage before issuing a refund to reduce misdirected payment risk.
With strict security controls and reliable verification logic, the PAN Account Linkage API keeps every check safe at every step.
A linkage flag and name-match score confirm a bank account genuinely belongs to the intended PAN holder before a disbursement or refund leaves your system.
nameMatchScore lets you set your own confidence threshold instead of relying on a rigid exact-match pass or fail.
Suited to lending, refunds and payout flows where sending money to the wrong account is costly and hard to reverse.
Focused specifically on PAN-to-account linkage and name-match scoring, rather than a live transaction like a penny drop.
A low nameMatchScore routes to manual review instead of silently failing or silently passing.
Try the endpoint in the public sandbox at sandbox.veriqos.com and see the exact response shape before you sign a contract or share production credentials.
We offer APIs and tools for identity verification, compliance, fraud prevention, financial assessment, and onboarding automation.
Teams in mobility, IT services, hiring, education and technology use Veriqos Technologies to verify people and businesses before they onboard them.
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The PAN account linkage API confirms that a bank account is linked to the PAN you hold, with a name-match score, before money leaves your system. Run the PAN account linkage API on the first payout to a new account and whenever a customer changes their bank details. Set a clear threshold for the name-match score, send borderline results to review, and keep each PAN account linkage API response with the payout it approved.
The PAN account linkage API is especially useful for marketplaces, lenders and payroll platforms that pay many different people, because it stops funds going to an account that belongs to someone else. Test both a linked and an unlinked account in the sandbox so your operations team knows what each outcome looks like before you go live.
Treat the PAN account linkage API result as two signals: whether the account is linked to the PAN, and how closely the account holder name matches. A linked account with a weak name match deserves a second look, for example a joint account or a recently changed surname. Logging both parts of every PAN account linkage API response makes these cases easy to find and review later.
If you are evaluating the PAN Account Linkage API, you may also find our PAN Section 206AB Compliance API and Bank Account Verification API useful, or you can talk to our team about your use case. For the official rules behind it, see the Income Tax e-filing portal.
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