Free demo hits. Pay when you go live. Request access
Contact & Address

Mobile to PAN API

Resolve a mobile number to the PAN registered against it, then continue with PAN Verification or a credit report without asking the customer to type their PAN.

Response
Real-time
Inputs
1 required · 1 optional
Consent
Recorded per request
Billing
Per successful call
POST /v1/mobile-to-pan
Sandbox · Production
  1. Your application sends

    • Mobile number*
    • Return unmasked PAN
  2. emver API

    Validates the request, queries the source, normalises the answer and logs the call. Billed only on success.

  3. Verified with

    Authoritative source

  4. You receive

    • PAN (masked unless requested)
    • Name on record
mobile-to-pan Full reference
Overview

What the Mobile to PAN API does

Send the number; receive the linked PAN (masked by default) and the name on record. Ideal for pre-approved offers and one-tap KYC journeys.

Consent is part of the contract

Requires the customer's consent for identity lookup; emver records it with the request.

Benefits

Why teams use the Mobile to PAN API

Find the PAN linked to a mobile number to kick-start KYC.

One-tap KYC

Fewer fields, higher conversion.

Chains naturally

Feed the PAN straight into PAN Verification or Credit Report.

Use cases

Where it's called

Where the Mobile to PAN API is typically called, and what it settles there.

Pre-approved loan journeys

Start underwriting from a phone number.

Wallet and broking onboarding

Reduce drop-off on the PAN step.

How it works

Four steps, one response envelope

Request and response details, environments and a ready-to-import collection are in the developer console.

  1. 01

    Authenticate

    Call with your organisation API key. Sandbox and production use the same contract.

  2. 02

    Send the inputs

    Mobile number as a JSON body. Optional fields sharpen the match.

  3. 03

    We verify at source

    emver queries the authoritative record, normalises the answer and logs the request.

  4. 04

    Act on the result

    A verification status plus the fields listed above, in the same response envelope as every other API.

Privacy and security built in

Consent recorded · Payloads not retained beyond your retention window · Every request traceable

FAQ

Mobile to PAN API: frequently asked questions

What teams ask before adding the Mobile to PAN API to their integration.

To keep you out of scope for storing full identifiers unless you need them; request unmasked output explicitly.

Related

APIs that run alongside it

Usually called with the Mobile to PAN API, on the same key.

All APIs
Access usually set up within one working day

Start verifying with emver today.

Tell us which APIs and what monthly volume. We set up your organisation, approve the APIs with demo hits and share per-call pricing.