Mobile 360 Verify OTP

Use this API to extract multiple identity types from mobile number.

POST /mobile360/otp/verify

Mobile 360 Verify OTP

cURL

curl --request POST \
  --url https://sandbox.cashfree.com/verification/mobile360/otp/verify \
  --header 'Content-Type: application/json' \
  --header 'x-api-version: <x-api-version>' \
  --header 'x-client-id: <api-key>' \
  --header 'x-client-secret: <api-key>' \
  --data '
{
  "verification_id": "test_verification_id",
  "otp": "123456"
}
'

200

SUCCESS

{
  "verification_id": "test_verification_id_99",
  "reference_id": 1234567,
  "status": "SUCCESS",
  "personal_details": {
    "full_name": "JOHN SNOW",
    "gender": "MALE",
    "total_income": 1000000,
    "occupation": "Software Engineer",
    "age": 30,
    "dob": "1996-10-02",
    "relatives_details": [
      {
        "relation": "FATHER",
        "relative_name": "Alice Doe"
      }
    ]
  },
  "phone_numbers": [
    {
      "type": "HOME",
      "phone": "9999996655",
      "linked_to": "CREDIT"
    },
    {
      "type": "MOBILE",
      "phone": "9999999999",
      "linked_to": "PAN"
    },
    {
      "type": "MOBILE",
      "phone": "9988775566",
      "linked_to": "UAN"
    }
  ],
  "emails": [
    {
      "email": "[e-mail]",
      "linked_to": "CREDIT"
    },
    {
      "email": "[e-mail]",
      "linked_to": "PAN"
    },
    {
      "email": "[e-mail]",
      "linked_to": "UAN"
    }
  ],
  "passport_details": [
    {
      "passport_number": "PA123456",
      "linked_to": "CREDIT"
    }
  ],
  "ration_card_details": [
    {
      "ration_card_number": "TN1234567890",
      "linked_to": "CREDIT"
    }
  ],
  "voter_details": [
    {
      "voter_id": "UAI4574761",
      "linked_to": "CREDIT"
    }
  ],
  "pan_details": [
    {
      "pan_number": "ABCPV1234D",
      "metadata": {
        "registered_name": "JOHN SNOW",
        "name_pan_card": "JOHN SNOW",
        "type": "Individual or Person",
        "aadhaar_linked": true
      }
    }
  ],
  "driving_license_details": [
    {
      "driving_license_number": "KA0120198900984",
      "linked_to": "CREDIT"
    }
  ],
  "aadhaar_details": [
    {
      "masked_aadhaar_number": "XXXXXXXX8848",
      "linked_to": "PAN"
    }
  ],
  "addresses": [
    {
      "address": "Flat 404, Green Towers, MG Road, Mumbai 400001",
      "type": "Primary",
      "state": "MAHARASTHRA",
      "pincode": "400001",
      "city": "Mumbai",
      "street": " MG Road",
      "country": "India",
      "linked_to": "PAN"
    }
  ],
  "bank_account_details": [
    {
      "bank_account": "20329012345",
      "ifsc": "SBIN0012345",
      "bank_address": "STATE BANK OF INDIA,KATANGA BENGALURU",
      "linked_to": "CREDIT"
    }
  ],
  "employment_details": {
    "uan": [
      {
        "uan": "200123456789",
        "member_id": "XYZAB00123450000005678",
        "establishment_id": "XYZAB0012345000",
        "exit_date": null,
        "joining_date": "2018-05-10",
        "leave_reason": null,
        "establishment_name": "ABC TECHNOLOGIES PVT LTD",
        "uan_linked_aadhaar": true
      }
    ],
    "recent_employment_details": {
      "employee_details": {
        "member_id": "XYZAB00123450000005678",
        "exit_date": null,
        "joining_date": "2018-05-10",
        "uan": "200123456789",
        "epfo": {
          "recent": true,
          "name_unique": true,
          "pf_filings_details": true
        },
        "employed": true,
        "employee_name_match": true,
        "exit_date_marked": false
      },
      "employer_details": {
        "establishment_id": "XYZAB0012345000",
        "establishment_name": "ABC TECHNOLOGIES PVT LTD",
        "setup_date": "2012-03-15",
        "ownership_type": "Private Limited Company",
        "employer_confidence_score": 85,
        "employer_name_match": true,
        "pf_filing_details": [
          {
            "total_amount": 32145678,
            "employees_count": 5678,
            "wage_month": "JAN-25"
          },
          {
            "total_amount": 31456789,
            "employees_count": 5600,
            "wage_month": "DEC-24"
          },
          {
            "total_amount": 30987654,
            "employees_count": 5500,
            "wage_month": "NOV-24"
          }
        ]
      }
    }
  },
  "mobile_number_intelligence": {
    "is_valid_number": true,
    "subscriber_status": "CONNECTED",
    "connection_type": "PREPAID",
    "current_service_provider": "AIRTEL",
    "original_service_provider": "AIRTEL",
    "network_region": "India",
    "is_ported": false
  },
  "credit_score": 805,
  "risk_intelligence": {
    "is_safe": false,
    "risk_level": "LOW",
    "risk_reason": "Inactive SIM",
    "risk_description": "SIM inactive or unused for an extended period",
    "added_on": "2025-06-23T12:42:10Z",
    "last_updated_on": "2025-09-09T17:00:11Z"
  }
}

Key data fields of Mobile360 OTP Response

The following table outlines the key data fields returned in the OTP verification response:

Field	Description
PERSONAL_DETAILS	Provides personal information such as full name, gender, date of birth, age, income, and occupation.
RELATIVE_DETAILS	Provides information about family members, including their names and relationships.
BANK_ACCOUNT_DETAILS	Contains banking information such as the masked account number, IFSC code, bank address, and associated account linkage. The unmasked account number can be made available to regulated entities after a successful penny drop verification.
UAN_EMPLOYMENT_DETAILS	Contains employment records linked to a UAN, including member ID, establishment ID, joining and exit dates, and Aadhaar linkage status.
RECENT_EMPLOYMENT_DETAILS	Provides recent employment history, including employee and employer details, EPFO verification, and PF filing data.
PAN	Contains the PAN number associated with the individual.
PAN_METADATA	Provides metadata related to the PAN, such as the registered name, name on the card, type, and Aadhaar linkage status.
PHONE_LIST	Lists phone numbers associated with the individual, including the number type and linkage source.
EMAIL_LIST	Lists email addresses associated with the individual and their linkage sources.
PASSPORT_NUMBER	Contains the passport number and associated linkage information.
AADHAAR_NUMBER	Provides a masked Aadhaar number and its source of linkage.
RATION_CARD	Contains the ration card number and linkage information.
DRIVING_LICENSE	Contains the driving license number and associated linkage.
VOTER_ID	Contains the voter ID and its linkage information.
ADDRESS_LIST	Lists known addresses, including full address, city, state, pincode, and linkage source.
MOBILE_NUMBER_INTELLIGENCE	Provides key insights about the mobile number, including its validity, connection status, and service provider details.
CREDIT_SCORE	Provides the individual’s credit score as a numeric value.
RISK_INTELLIGENCE	Provides risk insights about the mobile number, including is safe, risk level, reason, description, and relevant timestamps.

Authorizations

x-client-id · string · header · required

Your unique client identifier issued by Cashfree. You can find this in your Merchant Dashboard.

x-client-secret · string · header · required

The secret key associated with your client ID. Use this to authenticate your API requests. You can find this in your Merchant Dashboard.

Headers

x-cf-signature · string

Send the signature if two-factor authentication is selected as Public Key. More details.

x-api-version · string · default: 2024-12-01 · required

API version to be used. Format is in YYYY-MM-DD.

Example:

"2024-12-01"

Body

application/json

Find the request parameters for Mobile 360 Verify OTP.

verification_id · string · default: test_verification_id · required

The same unique ID provided during the Send OTP request.

Example:

"test_verification_id"

otp · string · default: 123456 · required

The OTP sent to the mobile number provided in the Send OTP request.

Example:

"123456"

Response

200

application/json

Response for Mobile360 Verify OTP.

verification_id · string

Unique ID of the verification request.

Example:

"test_verification_id_123"

reference_id · integer

Unique reference ID for the transaction.

Example:

987654

status · string

It displays the status of the API request. Possible values are

• SUCCESS: Data has been successfully fetched using the provided mobile number.
• DETAILS_NOT_FOUND: No data for the given mobile number could be retrieved.

Example:

"SUCCESS"

personal_details · object

Personal information of the individual.

Show child attributes

phone_numbers · object[]

Show child attributes

emails · object[]

Show child attributes

passport_details · object[]

Show child attributes

bank_account_details · object[]

Show child attributes

aadhaar_details · object[]

Show child attributes

ration_card_details · object[]

Show child attributes

driving_license_details · object[]

Show child attributes

voter_details · object[]

Show child attributes

pan_details · object[]

Show child attributes

addresses · object[]

Show child attributes

employment_details · object

Employment details of the individual.

Show child attributes

mobile_number_intelligence · object

Provides intelligence on mobile number.

Show child attributes

credit_score · integer

Credit score of the individual.

Example:

805

risk_intelligence · object

Provides risk intelligence analysis for the mobile number.

Show child attributes