Video KYC RBI API – Secure & Real-Time Digital Customer Onboarding
Our Video KYC RBI API enables businesses to perform real-time, fully compliant Video KYC verification as per RBI guidelines. Designed for banks, NBFCs, and fintech platforms, this API ensures secure digital onboarding, reduces fraud, and enhances user experience with seamless identity verification.
Identity Hub
RBI V-KYC SIMULATORGeolocation
25.5941° N, 85.1376° E
Liveness
ACTIVE
Connecting to server...
Establishing handshake
Verification Status
Match Confidence
99.2%
"status": "AUTHORIZED",
"biometrics": {
"liveness": true,
"face_score": 0.992
},
"geo_tag": "VALID"
100% Compliant & Automated Video KYC RBI API
Seamlessly onboard customers with RBI-mandated Video Customer Identification Process (V-CIP). Verify identities in real-time with AI-driven face matching and liveness detection.
1. Start V-CIP
Initiate a secure, encrypted video session between the agent and the customer.
2. AI Verification
Our AI performs liveness checks and matches faces with Aadhaar/PAN photos instantly.
3. Get Approval
Receive structured audit trails and verification results for instant onboarding.
Why Use Video KYC RBI API?
Eliminate manual onboarding friction and accelerate customer acquisition with a fully digital, regulatory-compliant identity suite.
RBI V-CIP Compliance
Stay fully aligned with the latest RBI Master Directions on KYC, including geo-tagging and timestamping.
Real-time Liveness Check
Identify spoofing attacks and anti-facial substitution with built-in AI liveness detection.
OCR Document Validation
Automatically extract data from PAN and Aadhaar documents with high-precision text recognition.
Low Bandwidth Support
Supports diverse network conditions globally, ensuring smooth video quality even on slower connections.
Bank-Grade Security
End-to-end encryption and SOC2 compliance ensure sensitive customer data remains private.
Developer-First API
Standardized RESTful API with comprehensive documentation for rapid integration into any banking workflow.
Advanced Features for Identity Intelligence
Our Video KYC RBI API is engineered for banks and NBFCs looking to automate V-CIP and eliminate manual onboarding friction.
Automated V-CIP Workflow
Instantly initiate secure video sessions with built-in agent assistance and question scripting. Perfect for streamlining high-volume retail banking and credit card onboarding.
Liveness & Spoof Detection
Detect deepfakes, screen replays, and mask attacks with passive liveness technology before they breach your digital onboarding security perimeter.
Real-time OVD Extraction
Classify and extract data from PAN and Aadhaar documents during the live video call to verify customer details against government databases automatically.
Trusted across Financial Ecosystems
Compliant identity verification is the backbone of modern regulatory risk management. Our API powers V-CIP for the most high-volume digital banks and stockbroking platforms in the market.
🔐 Key Features of Video KYC RBI API
Automate customer identification with real-time biometric and document verification. Maintain full control over regulatory compliance and ensure a frictionless onboarding experience for your banking operations instantly.
Geo-Tagging
Automatic GPS coordinate capturing that ensures the customer is located within Indian borders as per RBI norms.
Biometric Match
Direct AI-led face matching between live video frames and OVD/Aadhaar photographs.
Voice Recognition
Advanced audio processing that identifies and prevents third-party prompting or scripted fraud.
Secure Storage
Protect customer privacy with encrypted video recording storage and SOC2/ISO27001 compliance.
Omnichannel SDK
Customizable mobile and web SDKs tailored for existing banking app and website integrations.
Bandwidth Adaptive
Smart video bitrate adjustment supporting clear V-CIP sessions even on poor rural networks.
Live Verification
Instant NSDL and UIDAI background checks performed concurrently during the video interaction.
Audit Logs
Detailed session metadata and media logs for RBI audits and internal compliance reporting.
How Video KYC API Works
Onboard customers remotely with a seamless, RBI-compliant video identification process in four automated steps.
Initiate Call
Customer starts a secure video session via your app or web portal using our SDK.
Capture OVD
Our AI extracts data from the customer's PAN/Aadhaar and verifies authenticity in real-time.
Liveness Check
Advanced biometric checks match the live face against the document photo to prevent spoofing.
Final Verification
Verification reports and audit trails are delivered to your backend for instant approval.
Why IDSPay is Better than Other Video KYC APIs?
See how our V-CIP solution outperforms the industry standards.
Low Latency Video
Optimized streaming protocols for seamless calls even on slow networks.
Advanced Anti-Spoof
Industry-leading liveness detection that beats Eko and API Mall.
Simplified SDKs
Integration-ready SDKs that are far easier to deploy than Digitap.
Competitive Pricing
Scale your onboarding with volume-based pricing built for startups.
Compliance Support
RBI compliance experts available 24/7 to help you navigate regulatory onboarding hurdles.
Integrate Video KYC API in Minutes
Automate remote identity verification with RBI-compliant V-CIP workflows. Fully documented SDKs for Node.js, PHP, Python, and Java.
curl --request POST \
--url https://api.idspay.in/v3/vkyc/initiate \
--header 'Authorization: Bearer YOUR_API_KEY' \
--header 'Content-Type: application/json' \
--data '{
"customer_id": "CUST_98210",
"redirect_url": "https://your-app.com/vkyc-callback",
"workflow_type": "FULL_KYC"
}'{
"status": "SUCCESS",
"data": {
"session_id": "vkyc_7721xs",
"vkyc_url": "https://vkyc.idspay.in/live/...",
"expires_in": "3600",
"compliance_mode": "RBI-VCIP",
"liveness_check": true,
"created_at": "2026-04-27T12:56:10Z"
}
}Why We Are The Better Choice
Benchmark our Video KYC performance against industry standards.
| Feature | 🚀 IDSPay V-KYC | Other Providers |
|---|---|---|
| Face Match Accuracy |
99.8% AI-Biometrics
|
~90-92% (Manual)
|
| Stream Latency |
Ultra-Low (WebRTC)
|
High Lag (Standard HTTP)
|
| Cost per Session |
Flat Rate (No Setup Fee)
|
Heavy Annual Maintenance
|
| Integration |
Low-Code SDKs
|
Complex API Wrappers
|
* Benchmarked against RBI V-CIP guidelines and major Indian regtech competitors (April 2026).
Frequently Asked Questions
Common developer queries about the Video KYC (V-CIP) API.
1. Is your Video KYC solution RBI compliant?
Yes, our Video KYC (V-CIP) API is fully compliant with the latest RBI guidelines. It includes features like geo-tagging, live document capture, liveness detection, and concurrent auditing.
2. How does face matching work?
Our AI engine performs a biometric comparison between the face in the live video stream and the photo extracted from the uploaded OVD (Aadhaar/PAN), providing an accuracy score above 99%.
3. Does it support low-bandwidth connections?
Absolutely. Our SDK automatically adjusts video quality based on the user's internet speed, ensuring successful verification even in rural areas with 3G/low 4G connectivity.
4. Can we record the sessions?
Yes, every session is recorded and stored with AES-256 encryption. We provide an audit trail with timestamped logs and geo-location for regulatory reporting.
5. How long does integration take?
Most developers go from sandbox to production in less than 48 hours using our pre-built Web and Mobile SDKs.