Cashfree’s Video KYC (VKYC) is a digital solution that enables businesses to verify customer identities remotely through a secure, agent-assisted video call. It helps businesses meet RBI-mandated Know Your Customer (KYC) requirements with a seamless, scalable, and easy-to-integrate process.

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Key features

Cashfree Video KYC (VKYC) offers the following features to help you verify your customers quickly and securely:
  • Capture a customer photograph: Take a live photo of your customer and match it with the photo on an official KYC document, such as an Aadhaar card. This feature supports high-quality image capture, even in low-bandwidth conditions.
  • Verify customer identity: Verify your customer’s identity using OTP-based OKYC or by allowing them to upload Aadhaar details manually. The details are verified against official sources.
  • Capture a PAN card image: Capture a photo of your customer’s PAN card to extract key details. These details are validated against trusted databases.
  • Use geo-tagging for compliance: Confirm that your customer is located in India, as required by RBI regulations.
  • Perform a liveness check: Ask a registered entity (RE) agent to confirm your customer’s physical presence. During the check, the agent asks the customer to read a randomly generated 4-digit number.
  • Assign agents for VKYC: Meet RBI requirements by completing VKYC through a live agent. Use the agent assignment module to manage and track this process.
  • Access session logs for auditing: View logs for every VKYC session. Both you and Cashfree can use these logs for compliance audits.

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Integration options

Cashfree provides two options for integrating Video KYC based on your application flow:
  • API-based integration for full control of the user experience
  • SDK-based integration for an embedded, in-app experience

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Video KYC using APIs

Use this option if you want to manage the entire VKYC workflow through your backend and present a custom user interface.
  1. Create a user: Register the user using the Create User for Secure ID Suite API. This step is required before you initiate the VKYC session. The user profile includes basic details such as phone number, name, and address, and is required to initiate the KYC process.
  2. Initiate the Video KYC session: Start the VKYC session using the Initiate Video KYC Request API by generating a secure verification link. The link is sent through selected notification channels (SMS, email, or WhatsApp) and can be customised using user and agent templates.
  3. Get the VKYC status: Retrieve the current VKYC session status using the Get Video KYC Status API. Use this to check if the session is pending, in progress, completed, or failed.

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Video KYC using the SDK

Use this option if you want to embed the VKYC flow directly into your mobile or web application using the Cashfree SDK.
  1. Create an authentication token: Generate an auth token using the Create Auth Token API. This token is required to initialise the SDK and allows you to bypass OTP verification if the user is already authenticated in your app.
  2. Create a user: Register the user using the Create User for Secure ID Suite API. This step must be completed before you initiate the VKYC session.
  3. Initiate the Video KYC session: Start the VKYC session using the Initiate Video KYC Request API and pass the user ID and authentication token to the SDK.
  4. Get the VKYC status: Retrieve the current VKYC session status using the Get Video KYC Status API.
Notes: For detailed API documentation, refer to Video KYC API Integration.