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Banking & Credit

Reverse Penny Drop API

Instead of pushing money to an account, ask the person to pay a token amount from it. The transfer reveals the account number, IFSC and registered holder name, proving they control the account. Higher assurance than a penny drop, with the rupee refunded automatically.

Response
Async, by webhook
Inputs
1 required
Consent
Recorded per request
Billing
Per successful call
Get API access API reference
POST /v1/reverse-penny-drop
Sandbox · Production

  1. Your application sends

    • Person's reference for the payment link*

  2. Profiden API

    Issues a hosted consent link, tracks the person's authorisation and assembles the result.

  3. Completed via

    One-rupee UPI payment from the person's own app

  4. You receive by webhook

    • Account number and IFSC as seen by the bank
    • Account holder name
    • UPI ID used
    • Verification status
    • Refund status
reverse-penny-drop Full reference

What the Reverse Penny Drop API does

A conventional penny drop confirms an account exists and whose name it carries. A reverse penny drop goes further: because the person initiates the payment from their own UPI app, you learn the account details straight from the bank and prove the person controls it.

The flow is a link or QR: the person pays one rupee, the result posts to your webhook, and the rupee is refunded.

Consent is part of the contract

The person initiates the payment themselves, which is explicit consent. The transaction reference is stored with the result.

Benefits of the Reverse Penny Drop API

Verify bank account ownership by having the person pay one rupee via UPI.

Proof of control

The person must act from their own banking app.

No typing errors

Account details come from the bank, not the user.

Fraud-resistant

Cannot be passed by knowing someone else's account number.

Refunded automatically

The token amount returns to the payer.

Use cases

Reverse Penny Drop API use cases

Where the Reverse Penny Drop API is typically called, and what it settles there.

Loan disbursal account setup

Prove the borrower owns the payout account.

Gig partner onboarding

Capture verified payout details without a form.

Investment and broking

Link a verified bank account to a trading account.

Insurance claims

Verified beneficiary accounts before settlement.

How the Reverse Penny Drop API works

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

01

Authenticate

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

02

Create the consent link

Send the person's details and the documents you need. You receive a hosted link to share on any channel.

03

The person authorises

They sign in and choose what to share. Nothing moves without their approval.

04

Receive the result

Verified documents and details arrive by webhook or on the status endpoint, and attach to the case.

Open the Reverse Penny Drop reference

Built for the DPDP Act 2023

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

Encryption in transit and at rest
Data processed in India
Per-request audit trail
Masked identifiers in responses

Reverse Penny Drop API: frequently asked questions

What teams ask before adding the Reverse Penny Drop API to their integration.

Yes. Any UPI app linked to the account they want to verify.

Use Bank Account Verification with the account number and IFSC instead.

Related APIs

APIs that usually run alongside the Reverse Penny Drop API, on the same key.

All APIs

Bank Account Verification

Banking & Credit

Confirm an account exists and belongs to the person or business you are paying.

UPI Verification

Banking & Credit

Resolve a UPI ID to its registered account holder and match the name.

IFSC & Bank Branch Lookup

Banking & Credit

Resolve an IFSC to its bank, branch, address and supported payment rails.

More Banking & Credit APIs

Get access to the Reverse Penny Drop API

Tell us your use case and expected volume. We set up the organisation, share per-call pricing and issue keys.

Get API access Developer console