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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.
Your application sends
emver API
Issues a hosted consent link, tracks the person's authorisation and assembles the result.
Completed via
One-rupee UPI payment from the person's own app
You receive by webhook
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.
Verify bank account ownership by having the person pay one rupee via UPI.
The person must act from their own banking app.
Account details come from the bank, not the user.
Cannot be passed by knowing someone else's account number.
The token amount returns to the payer.
Where the Reverse Penny Drop API is typically called, and what it settles there.
Prove the borrower owns the payout account.
Capture verified payout details without a form.
Link a verified bank account to a trading account.
Verified beneficiary accounts before settlement.
Request and response details, environments and a ready-to-import collection are in the developer console.
Call with your organisation API key. Sandbox and production use the same contract.
Send the person's details and the documents you need. You receive a hosted link to share on any channel.
They sign in and choose what to share. Nothing moves without their approval.
Verified documents and details arrive by webhook or on the status endpoint.
Privacy and security built in
Consent recorded · Payloads not retained beyond your retention window · Every request traceable
FAQ
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.
Usually called with the Reverse Penny Drop API, on the same key.
Banking & Credit
Confirm an account exists and belongs to the person or business you are paying.
Banking & Credit
Resolve a UPI ID to its registered account holder and match the name.
Banking & Credit
Resolve an IFSC to its bank, branch, address and supported payment rails.
Tell us which APIs and what monthly volume. We set up your organisation, approve the APIs with demo hits and share per-call pricing.