---
type: "industry"
title: "SaaS Platform APIs | Embed KYC, Verification & Payments"
description: "Embed PAN, GST, bank, Aadhaar, and payment APIs into your SaaS product. One integration, full compliance coverage. Sandbox in minutes. Used by 500+ platforms."
slug: "saas-platforms"
category: "digital-tech"
canonical: "https://eps.eko.in/industries/saas-platforms"
---


> **Canonical URL:** https://eps.eko.in/industries/saas-platforms
> This is a machine-readable Markdown version of the page for AI agents and LLMs. The primary (HTML) version lives at the canonical URL above.

# SaaS Platform APIs for embedded verification & payments

Embed KYC, verification, and payment APIs directly into your SaaS product — give your customers instant onboarding, compliance, and transaction capabilities without building the infrastructure yourself.

To get started, fill the form at https://eps.eko.in/signup (with your name, mobile number and email) or call us at +919513181707

## Trust Signals

- Trusted by 50,000+ businesses
- RBI compliant
- Reliable, high-volume workflows

## The Challenge

SaaS platforms increasingly need to offer financial and compliance features — KYC for onboarding, bank verification for payouts, GST validation for billing, or lending data for credit-embedded products. Building and maintaining these integrations in-house means managing 6–10 different vendor contracts, disparate APIs, and ongoing compliance updates as regulations change.

Eko provides a single API platform that SaaS builders can embed as a backend service — one set of credentials, one dashboard, one contract covering PAN, GST, bank, Aadhaar, DigiLocker, and payment rails. Your product ships faster; your customers get features they'd otherwise build themselves.

## Recommended Solution Packs

### Lending KYC Pack _(featured)_
Embed a complete borrower verification flow — OTP, PAN, bank, DigiLocker, GST — into your lending or credit SaaS.

**Includes:** PAN Advanced, Bank Verification, DigiLocker, GST Verification

[View solution pack](https://eps.eko.in/solutions/lending-kyc-pack)

### Merchant Onboarding Pack
Add merchant/seller KYB to your SaaS — PAN, GST, bank in one workflow.

**Includes:** PAN Verification, GST Verification, Bank Verification

[View solution pack](https://eps.eko.in/solutions/merchant-onboarding-pack)

### MSME Credit Assessment Pack
Embed alternative credit scoring using GST + ITR data into your fintech or accounting SaaS.

**Includes:** GST Verification, PAN Advanced, Bank Verification, DigiLocker

[View solution pack](https://eps.eko.in/solutions/msme-credit-assessment-pack)

## Recommended APIs

| API | Description | Relevance | Link | Markdown Link |
| --- | --- | --- | --- | --- |
| PAN Verification | Embed identity verification for user onboarding, admin KYC, or contractor compliance | High | [Details](https://eps.eko.in/products/pan-verification-api) | [Markdown](https://eps.eko.in/products/pan-verification-api.md) |
| Bank Account Verification | Validate payout accounts before disbursing wages, refunds, or commissions | High | [Details](https://eps.eko.in/products/bank-verification-api) | [Markdown](https://eps.eko.in/products/bank-verification-api.md) |
| GST Verification | Validate business registrations and filing status within your B2B platform | High | [Details](https://eps.eko.in/products/gst-verification-api) | [Markdown](https://eps.eko.in/products/gst-verification-api.md) |
| DigiLocker | Pull ITRs, Aadhaar, driving licences, and education certificates paperlessly | High | [Details](https://eps.eko.in/products/digilocker-api) | [Markdown](https://eps.eko.in/products/digilocker-api.md) |
| BBPS | Embed bill payment collection for fee collection or subscription billing | Medium | [Details](https://eps.eko.in/products/bbps-api) | [Markdown](https://eps.eko.in/products/bbps-api.md) |
| Name Match | Embed cross-document name validation for KYC and KYB within your platform | Medium | [Details](https://eps.eko.in/products/name-match-api) | [Markdown](https://eps.eko.in/products/name-match-api.md) |
| IP Verification | Geo-locate and risk-score user IPs for fraud prevention and geo-compliance | Medium | [Details](https://eps.eko.in/products/ip-verification-api) | [Markdown](https://eps.eko.in/products/ip-verification-api.md) |
| Email Verification | Validate user and tenant email addresses during signup and onboarding | Medium | [Details](https://eps.eko.in/products/email-verification-api) | [Markdown](https://eps.eko.in/products/email-verification-api.md) |
| ITR Compliance Check | Embed income-tax filing checks for credit, lending, or KYB features | Medium | [Details](https://eps.eko.in/products/itr-compliance-api) | [Markdown](https://eps.eko.in/products/itr-compliance-api.md) |
| DIN Verification | Verify directors of incorporated customers or vendors via MCA | Medium | [Details](https://eps.eko.in/products/din-verification-api) | [Markdown](https://eps.eko.in/products/din-verification-api.md) |
| UPI ID Verification | Validate payout VPAs before disbursing to users or vendors | Medium | [Details](https://eps.eko.in/products/upi-verification-api) | [Markdown](https://eps.eko.in/products/upi-verification-api.md) |

## Use Case Scenarios

### Embedded BGV in an HR SaaS
**Situation:** An HR software company wants to offer 'instant employee BGV' as a premium feature — without building verification infrastructure.

**Integration:** They embed Eko's PAN + Employee Verification + DigiLocker APIs via a single SDK. Customers click 'Run BGV' inside the HR tool; Eko handles every step.

**Outcome:** New premium tier launched in 3 weeks. 40% of enterprise customers upgraded for the BGV feature.

### Fintech SaaS adds MSME credit scoring
**Situation:** An accounting SaaS for CAs wants to add a 'loan eligibility' widget for their SME clients.

**Integration:** MSME Credit Assessment Pack: GST history fetch → PAN identity link → bank account validation. The SaaS presents a credit score to CAs in-app.

**Outcome:** NBFC partner secured within 2 months. ₹50 Cr in loan applications generated in the first quarter.

### Marketplace SaaS automates seller KYB
**Situation:** A white-label marketplace platform needs every client's sellers to complete KYB before listing products.

**Integration:** Merchant Onboarding Pack embedded as an API call within the seller registration webhook. PAN + GST + bank happen automatically on signup.

**Outcome:** Zero failed payouts from unverified accounts. Marketplace clients see 80% fewer KYB support tickets.

## Why Eko

### One API, all compliance features
PAN, GST, bank, Aadhaar, DigiLocker, payments — one key, one contract, one dashboard.

### Embed in days, not quarters
RESTful APIs with detailed SDKs — typical SaaS integration completed in 3–5 days.

### Usage-based pricing
Pay per API call — no minimum commitment. Pass costs to customers or absorb in your margin.

### Reliable, high-volume workflows
Enterprise-grade reliability with dedicated support for SaaS platform partners.

## Integration Steps

1. **Sign Up** — Sign up in minutes at Developer Console page with your mobile number (OTP verify).
2. **Verify Identity** — Complete your basic KYC with PAN and address details to verify your identity.
3. **Test APIs Live** — Load funds into your wallet and test the APIs live before integrating.
4. **Integrate** — Send your developers to eps.eko.in/ai for free AI plugins & tools to integrate faster.
5. **Go Live** — Get production credentials and start processing real transactions.

## FAQs

### Can I white-label Eko's verification flows inside my SaaS?
Yes. The APIs are headless — you build the UI, Eko powers the data layer. Your customers see your brand throughout.

### How do I handle user consent for verification?
Eko's API responses include a consent token. You capture consent in your UI and pass it with the API call — Eko logs it for audit under the DPDP Act.

### Is there a per-seat or platform fee?
No platform fee and no per-seat fee — recurring billing is purely per API call. A one-time setup fee applies per API — ₹6,000 for a verification API and ₹20,000 per BC/Payments API family, excl. GST. It is currently 25% off as a limited-time offer. A full waiver is available against a higher monthly volume commitment.

### Can my SaaS customers get their own API credentials?
Yes. Eko supports multi-tenant API key issuance for SaaS platforms — each of your customers gets their own credentials, billing rolls up under your master account.

### What's the sandbox-to-production timeline?
Sandbox is available immediately on signup. Production go-live takes 3–5 business days after platform KYC submission.

## Related Industries

- [Marketplaces](https://eps.eko.in/industries/marketplaces) ([markdown](https://eps.eko.in/industries/marketplaces.md))
- [Lending & NBFC](https://eps.eko.in/industries/lending-nbfc) ([markdown](https://eps.eko.in/industries/lending-nbfc.md))
- [Accounting & Tax](https://eps.eko.in/industries/accounting-tax) ([markdown](https://eps.eko.in/industries/accounting-tax.md))

- [Site index](https://eps.eko.in/index.md): Full list of API products, industries, and solution packs