---
type: "product"
title: "Name Match API India | AI-Powered Name Matching for KYC & Compliance"
description: "AI-powered name matching API trained on 100M+ Indian name records. Compare names across identity documents — handles initials, phonetic variants, regional spellings, and salutations."
category: "verification"
canonical: "https://eps.eko.in/products/name-match-api"
---


> **Canonical URL:** https://eps.eko.in/products/name-match-api
> 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.

# Name Match API for Cross-Document Identity Verification

AI-powered name comparison trained on 100M+ Indian name records. Compare names across PAN, Aadhaar, bank, and GST records — get a match score (0–1) and category (Direct Match, Partial Match, No Match) for automated KYC decisions.

_AI-powered name matching across identity documents_

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

## Overview

Name Match is an AI-powered name comparison API built for India's complex naming conventions. Trained on over 100 million Indian name records, it handles initials, abbreviations, phonetic and regional spelling variants, salutation patterns, and subset matching — returning a match score (0 to 1) and match category for automated decision-making.

## Features

- Indian Name Intelligence: Handles initials, middle names, abbreviations, and subset matching (e.g. Harsh Kishore → HKishore) with high accuracy.
- Phonetic & Regional Variants: Understands phonetic similarities and regional spelling variations across Indian languages and naming conventions.
- Context-Aware Matching: Considers name sequence, gender, regional norms, and salutation patterns (e.g. S/O, D/O) for accurate results.
- Score + Category Response: Returns a 0–1 score with match categories: Direct Match (1.0), Good Partial (0.85–0.99), Moderate Partial (0.60–0.84), Poor Partial (0.34–0.59), No Match (0–0.33).

## Who Should Use This

- Lending and financial institutions
- Accounting and tax platforms
- Marketplace and e-commerce platforms
- Enterprises performing KYC/KYB

## Use Cases

- Cross-document KYC name validation
- ITC fraud detection via GST-PAN-bank name checks
- Lending name match for fraud prevention
- Merchant onboarding name consistency checks
- Payment reconciliation
- Risk and fraud prevention

## What Can You Verify With Name Match API?

- **Score** — Numeric match score between 0 and 1. Thresholds: 1.0 = Direct Match; 0.85–0.99 = Good Partial Match; 0.60–0.84 = Moderate Partial Match; 0.34–0.59 = Poor Partial Match; 0.00–0.33 = No Match.
- **Reason** — Human-readable explanation of the match result — effectively the match category label along with the AI model's rationale (e.g. initials expansion, phonetic match, subset match).

## API Preview — Name Match API

`POST /tools/kyc/name-match`

### Example inputs

| Field | Value |
| --- | --- |
| Name 1 | S K Mishra |
| Name 2 | Satish Kumar Mishra |

### Example outputs

| Field | Value |
| --- | --- |
| Score | 0.92 |
| Reason | Names match with initials expanded |

## Integration Steps

1. **[Sign Up](/console)** — Sign up in minutes 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 verification APIs live — evaluate before you integrate.
4. **[Integrate with AI](/ai)** — Ready to build? Visit our AI hub for free plugins & tools to integrate faster.
5. **Go Live** — Start matching names in production.

## FAQs

### How does the matching work?
Name Match uses AI trained on 100M+ Indian name records. It handles initials, phonetic variants, regional spellings, salutation patterns (S/O, D/O), subset matching, and name ordering variations.

### What is the score range?
The API returns a score from 0 to 1: Direct Match (1.0), Good Partial Match (0.85–0.99), Moderate Partial Match (0.60–0.84), Poor Partial Match (0.34–0.59), No Match (0–0.33). Set your own threshold based on risk tolerance.

### What examples of Indian name variations does it handle?
Initials (S K Mishra → Satish Kumar Mishra), subsets (Harsh Kishore → HKishore), salutations (Aditya Roy S/O Jatin), missing middle names, extra spaces, and phonetic/regional spelling variants.

### Can I use this for GST ITC fraud detection?
Yes. Cross-validating supplier PAN name, GST trade name, and bank account holder name catches fake invoice fraud that manual review misses.

### How do I get started?
Four steps: **sign up** at the [developer console page](/console), verify your identity with PAN and address details, load your wallet to test the APIs live, then integrate and go live. Sandbox credentials are issued immediately — you can call your first endpoint before any paperwork clears.

### What is EPS?
**EPS (Eko Platform Services)** is the technology arm of Eko — the developer tools, AI tooling and APIs that power modern fintech integration, from money transfer and AePS to identity verification.

### What are the different ways to integrate with Eko EPS?
Three paths, pick whichever suits your stack:

- Call the **REST APIs** directly.
- Use our official **Node.js, Python, PHP, Go or Java SDKs** to skip request-signing boilerplate.
- Let an **AI coding agent** build it via our [MCP server and agent skills](/ai#install).

For multi-step flows (onboard a sender, *then* transfer) start from a [transaction-flow recipe](/recipe) rather than wiring single endpoints together yourself.

### How does API authentication work?
Each request carries your static `developer_key` header plus a per-request `secret-key` header — an **HMAC-SHA256** signature of the current timestamp, keyed by your access key. The access key itself is **never sent over the wire**. You receive UAT keys on signup and production keys after KYC.

The [How Authentication Works](/docs/how-auth-works) guide has the full signing recipe in five languages plus an **in-browser playground** that generates and verifies a real `secret-key` against your own access key.

### Why does my API call return 401 Unauthorized?
Authentication failed. For the known causes, the response body's `status` names the check that failed:

- `2483` — The developer_key is wrong.
- `2484` — The secret-key (signature) is wrong.
- `2485` — The secret-key-timestamp is more than 2 minutes older or newer than the server clock, or was reused from an earlier request.
- `2486` — The secret-key-timestamp is not in milliseconds (13 digits) — often seconds (10 digits).
- `2487` — The secret-key or secret-key-timestamp header is missing.

If your signature checks out in the [secret-key playground](/docs/how-auth-works#try-it-secret-key-playground) and you still get a `401`, make sure the base URL matches your keys (UAT vs production) and, in production, that your server's IP is whitelisted.

### Is there a sandbox environment for testing?
Yes. A full **sandbox** is available immediately on signup — test your integration end-to-end before going live, no commitment required. For offline work you can also run our [mock server](/ai#artifacts) (`npx -y @ekoindia/eps-mock-server`) and get canned responses with no network calls at all.

### What are the sandbox and production base URLs?
Sandbox and production share the same paths and differ **only** by base URL:

- UAT / Sandbox — `https://staging.eko.in/ekoapi/v3`
- Production — `https://api.eko.in/ekoicici/v3`

A common cause of failures is calling the sandbox URL with live credentials, or vice-versa — **make sure the base URL matches the keys you are using**.

### Do I need to whitelist my server IP?
It's optional. **IP whitelisting** is available for **production** access as an extra layer of security — share your **static public (server) IP** with us and we'll whitelist it.

### Can an AI coding agent build the integration for me?
Yes — that is the fastest path. Point your agent (Claude Code, Codex, Cursor, Copilot, …) at our **MCP server** and it can look up any endpoint, generate correctly-signed requests, and scaffold the integration in your own stack. Install it in [one step from the AI hub](/ai#install), or start from a [ready-made prompt](/ai#quick-start).

We also publish an **OpenAPI 3.1 spec**, a **Postman collection** and per-agent **context packs** (`AGENTS.md`, `CLAUDE.md`, `.cursorrules`) so an agent has the ground truth instead of guessing.

### What response times can I expect?
Most verification APIs return in **real time with sub-second responses**, and 99th-percentile latency stays under two seconds across verification endpoints. Transaction APIs (DMT, AePS, BBPS) respond within seconds.

### Can the API handle high volumes?
Yes. The API is designed to handle **large-scale volumes** reliably without performance degradation.

### How is API usage billed?
Usage is billed **per successful API call** with no minimum commitment. Volume-based pricing tiers are available — see the [pricing calculator](/pricing) for indicative rates, or contact our team for a custom quote.

## API Endpoints

- [Name Match API](https://eps.eko.in/docs/name-match.md) (POST)

## API Documentation

- [Full developer docs](https://eps.eko.in/docs/name-match)

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- [PAN Verification](https://eps.eko.in/products/pan-verification-api): Full PAN identity fetch in <2 seconds ([markdown](https://eps.eko.in/products/pan-verification-api.md))
- [Bank Account Verification](https://eps.eko.in/products/bank-verification-api): Penny-drop bank account validation ([markdown](https://eps.eko.in/products/bank-verification-api.md))
- [GST Verification](https://eps.eko.in/products/gst-verification-api): GSTIN lookup & filing status ([markdown](https://eps.eko.in/products/gst-verification-api.md))
- [DigiLocker Integration](https://eps.eko.in/products/digilocker-api): Fetch notarised docs — Aadhaar, DL, marksheets, etc ([markdown](https://eps.eko.in/products/digilocker-api.md))

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