Complete KYC.
Inside a WhatsApp chat.
Aadhaar, PAN, Driving Licence, Voter ID, Passport, face match, liveness, CKYC, AI Video KYC and eSign. Every step of customer onboarding, delivered as a conversation on the app your customers already have open.
The fastest, most reliable way to verify users, with the highest conversion ratio.
No app to install and no browser form for the customer to abandon. The entire KYC runs as a two-way WhatsApp conversation from your verified business number: the bot asks, the customer replies with a number, a photo or a selfie, and Surepass verifies it against source records in seconds.
Fast user onboarding
Number- or photo-based verification completes in seconds, and the whole journey stays inside one chat thread.
Low drop-off rate
Customers never leave WhatsApp. No redirects and no downloads, the biggest causes of abandonment, are gone.
Frictionless document authentication
OCR reads the card photo and source-database checks confirm it. Forged or tampered documents are flagged.
Real-time notifications
Every step of the KYC process is pushed to your CRM or backend by webhook as it happens.
CRM integration
Works with HubSpot, Salesforce, amoCRM and your own systems through the REST API.
User-friendly KYC interface
Interactive buttons and menu lists guide the customer, and the two-way chat handles questions on the spot.
From “Hi” to verified in under a minute.
Trigger the journey from your CRM or a campaign, or let the customer start it by messaging your number. Surepass drives the conversation, verifies each input against the source database, and returns structured data to you.
- Invite or inboundA templated WhatsApp message from your verified business number, or the customer says “Hi”.
- Choose a serviceMenu list: Aadhaar, PAN, DL, Voter ID, Passport, Video KYC, eSign, configured per client.
- Number or photoThe customer types the ID number or uploads a card photo, and OCR extracts the fields.
- Verify at sourceUIDAI, NSDL, RTO, ECI, Passport Seva and CKYCRR, checked in real time with fraud detection.
- Selfie, liveness and face matchAn optional biometric step binds the person to the document.
- Result and webhookThe customer sees a confirmation card and your system receives the JSON payload instantly.
Service menuInteractive list messageEvery onboarding check, on WhatsApp.
Pick the journeys you need. Each one runs in the same chat thread and returns structured results to your system.
Aadhaar verification
By number with OTP, or by card photo with OCR and QR cross-check. Aadhaar masking is built in.
Explore → 02PAN, DL, Voter ID and Passport
Verified at source in seconds, by number or by card photo read with AI-OCR and tamper detection.
Explore → 03Face liveness and face match
One selfie proves a live person is present and matches them to the photo on the ID.
Explore → 04CKYC
Fetch the customer's existing KYC from CERSAI's central registry with OTP consent. No documents needed.
Explore → 05AI Video KYC
An AI agent runs the video verification (V-CIP / PIV) inside WhatsApp. No agent, no app.
Explore → 06WhatsApp eSign
Aadhaar OTP e-signatures, with the signed PDF delivered back into the same chat.
Explore →Aadhaar, by number (OTP) or by card photo.
UIDAI-compliant Aadhaar verification through WhatsApp. The customer enters the 12-digit number and confirms with the OTP sent to their Aadhaar-linked mobile, or uploads a photo of the card for OCR and QR / XML cross-check.
- OTP flow: Aadhaar number, then OTP on the registered mobile, then demographic data with photo
- Card upload: OCR extraction, QR / secure-XML validation and forged-image detection
- Aadhaar masking built in: the first 8 digits are never stored or displayed
- DigiLocker and offline e-KYC (XML / ZIP) modes are available for the same journey
By Aadhaar numberOTP on registered mobile
By Aadhaar cardOCR + QR cross-checkAny government ID, by number or by card photo.
The same flow for every document: the customer types the ID number, or uploads a card photo read by AI-OCR with tamper detection, and Surepass verifies it at source in seconds. Bulk verification and add-on link checks (PAN–Aadhaar, PAN–bank, Voter–bank) are available.
PANIncome Tax / NSDL
Driving LicenceRTO / Sarathi
Voter IDElection Commission
PassportPassport Seva
Card photo · OCRAI-OCR + tamper detectionA live person, and the person on the ID.
One selfie in the chat does both checks. Liveness confirms a real human is present, not a printed photo, replayed video, screen or mask. Face match compares that selfie with the photo on the verified document.
- Passive liveness on a single selfie: no gestures, works in dim light and across ages and skin tones, with a 0–10 confidence score
- Face match against the Aadhaar, PAN, DL, Voter ID or passport photo, with a 0–100 confidence score and a configurable pass threshold
- Spoof attempts (photo, video, screen replay, mask) are rejected before the match runs
- Runs in the same thread right after document verification, and is also available as an API and an in-app Liveness SDK
Step 1 · LivenessReal person, not a photo or video
Step 2 · Face matchSelfie vs document photoFetch existing KYC from the central registry.
If the customer has completed KYC with any regulated entity, their record is in CERSAI's CKYCRR. On WhatsApp, Surepass searches the registry by PAN or another ID, confirms with an OTP to the registered mobile, and downloads the full record, so there are no documents to upload.
- Search by PAN, Aadhaar (last 4), Voter ID, DL, passport or mobile number
- Download with OTP consent on the mobile registered in the registry
- Returns identity, address, photo and the list of IDs on record
- CKYC 2.0 ready: upload, update and bulk flows, with automated Aadhaar masking
Search + consentBy PAN, OTP to registered mobile
DownloadFull record with photo and ID listAI Video KYC. No agent. No app. All inside WhatsApp.
Pre-issuance verification run end to end by an AI agent. The customer taps a WhatsApp link and is met by an AI verification agent that greets them in their language, confirms the proposal, verifies identity with face liveness and document face match, and records consent, with no human agent on the line.
1 · Consent & checksCamera, mic, bandwidth, VPN, location
2 · AI agent joinsRecording on, in the customer's language
3 · Product & proposalRead out and confirmed on record
4 · Personal detailsProposer, DOB, occupation, nominee
5 · Premium & termsAmount, frequency, paying and policy termEverything a PIV call does, without the call centre.
Unassisted AI agent
- AI agent “Aasha” runs the whole session
- 24×7, with unlimited parallel sessions
- Same quality in 22+ languages
- No scheduling, no queues, no callbacks
Assisted Human agent
- The same WhatsApp journey
- A human verification agent on the call
- For cases your process routes to a person
Evidence underwriters can act on.
Every session returns the recording, transcript, liveness and face-match scores, OTP result and field-level confirmations by API and webhook. Clean sessions auto-pass; mismatches are flagged for underwriter review with timestamps.
Lower cost per verification. Higher completion. Better evidence.
| Tele / human video PIV | WhatsApp AI Video KYC | |
|---|---|---|
| Who runs the session | A trained agent, per call | AI verification agent |
| Customer effort | Schedule a slot, wait for a call, sometimes install an app | Tap a WhatsApp link, done in about 3 minutes |
| Languages | Limited by the agent pool | 22+ languages, the same quality every time |
| Availability | Business hours, queue-dependent | 24×7, unlimited parallel sessions |
| Fraud controls | Agent judgement | Liveness, document face match, on-screen OTP, VPN and location checks |
| Evidence | Call recording, manual notes | Full session recording, transcript, scores, field-level confirmations |
Aadhaar eSign, right inside the chat.
Send an agreement to your customer's WhatsApp. They review it, sign with Aadhaar OTP through a licensed eSign service provider, and get the signed PDF back in the same chat. No app, no printing, no courier.
1 · Signing requestBranded WhatsApp message + link
2 · Review documentSignature field highlighted
3 · Aadhaar OTPeMudhra eSign authentication
4 · Signature completeInstant confirmation
5 · Signed PDF deliveredAttached in chat + emailLegally valid & secure
- Aadhaar OTP eSign via eMudhra / NSDL
- Legally valid under the IT Act, with UIDAI-compliant consent text
- Tamper-evident PDF with the eSign certificate
- Audit trail: signer identity, timestamp, IP and location
- ISO 27001 · 256-bit encryption
Built for business
- Multi-signer with roles
- Signature positions, name-match and geo-location per template
- Status tracking and reminders for pending signers
- Webhook on completion, signed PDF to your system
- Large documents supported (tested to 40 MB)
Built for every onboarding funnel that loses people to friction.
Banks & NBFCs
Account opening, loan KYC, re-KYC and CKYC fetch without branch visits.
Insurance
Proposal KYC, PIV via Video KYC, nominee eSign and claims verification.
Fintech & wallets
Regulatory KYC and AML checks at signup with the lowest drop-off.
Food delivery & ride hailing
Verify delivery partners and drivers in real time: DL, RC, Aadhaar and face match.
Retail & e-commerce
Seller and customer verification without manual document review.
Telecom
SIM and subscriber KYC on the channel the subscriber already uses.
Staffing & gig platforms
Onboard workers at scale with Aadhaar, PAN, DL and liveness.
Healthcare & travel
Patient, practitioner and traveller identity checks with passport support.
Plug and play, live in hours, not weeks.
How you integrate
- WhatsApp Business: journeys run from your verified business number (Meta BSP) or a Surepass-provided number
- No-code journey builder (Superflow): drag and drop the steps (documents, face, CKYC, Video KYC, eSign) per product or segment
- REST API + webhooks: trigger sessions and receive every result as JSON in real time
- CRM connectors: HubSpot, Salesforce and amoCRM, plus a dashboard for search, review and audit
- Sandbox and Postman collection on day one, with UAT support through go-live
Security & compliance
- ISO 27001 certified operations; 256-bit encryption in transit and at rest
- RBI & IRDAI compliant Video KYC (V-CIP); UIDAI-compliant Aadhaar flows with masking
- NSDL / CCA compliant Aadhaar eSign; CKYC 2.0 (CERSAI) ready
- Explicit customer consent captured before every verification; GDPR-aligned data handling
- Role-based access, audit trails and configurable data retention
3,000+ businesses verify with Surepass.
Insurers, banks, NBFCs, fintechs and consumer platforms across India.
Insurance
Banking, NBFC, fintech & advisory
Consumer & commerce
Mobility, auto, telecom & infrastructure
See WhatsApp KYC on your own phone.
Message us and we'll send a sandbox journey to your WhatsApp number. Complete an Aadhaar or PAN verification in under a minute, then let's scope your onboarding flow.