PAN to MSME Initialize

Endpoint Overview

POST /api/v1/pan-to-msme/initialize

Description

The PAN to MSME Initialize API enables businesses to initiate the verification process for Micro, Small, and Medium Enterprise (MSME) registration status using a company's Permanent Account Number (PAN). This endpoint creates a verification session that can be used to retrieve comprehensive MSME registration details, including certificate information, registration status, and business classification data.

This API serves as the foundation for MSME verification workflows, allowing businesses to validate supplier credentials, assess eligibility for government schemes, and ensure compliance with regulatory requirements for MSME partnerships.

Key Benefits

Instant MSME Verification: Quickly verify MSME registration status using only a PAN number

Automated Compliance: Streamline supplier onboarding and compliance verification processes

Real-time Status Updates: Receive immediate feedback on verification progress with webhook support

Comprehensive Data Access: Access detailed MSME certificate information and business classifications

Use Cases

Financial Services

E-commerce & Marketplaces

Corporate & Enterprise

Loan Processing: Verify MSME status for priority sector lending and special interest rates

Credit Assessment: Validate business registration for enhanced credit scoring models

Government Scheme Eligibility: Confirm MSME status for participation in financial assistance programs

Risk Management: Authenticate business credentials as part of due diligence processes

Technical Implementation

Authentication

All API requests require authentication using a JWT Bearer token. Authentication follows these steps:

Obtain API Credentials: Register with Surepass to receive your API key.

Generate JWT Token: Use your API key to generate a JWT token.

Include in Requests: Add the token to the Authorization header as Bearer TOKEN.

Different authentication tokens are used for sandbox and production environments:

Sandbox: https://sandbox.surepass.app

Production: https://kyc-api.surepass.app

Request Parameters

Request Headers

Header	Required	Description
Authorization	Yes	Bearer token containing your JWT authentication token
Content-Type	Yes	Must be set to `application/json`

Request Body

Parameter	Type	Required	Description
pan	string	Yes	10-character PAN (Permanent Account Number) in the format ABCDE1234F
webhook_url	string	No	Optional webhook URL to receive real-time status updates during verification process

Example Request

{
    "pan": "ABCDF1234F",
    "webhook_url": "https://your-domain.com/webhooks/msme-status"
}

Process Response

Response Parameters

Parameter	Type	Description
data	object	Container object holding the response data
data.client_id	string	Unique identifier for the MSME verification session, used for tracking and follow-up requests
data.status	string	Current status of the verification process (pending, completed, failed)
status_code	number	HTTP status code indicating the result of the API request
success	boolean	Indicates whether the API request was processed successfully
message	string	Human-readable message describing the result
message_code	string	Machine-readable code for programmatic handling

Example Successful Response

{
    "data": {
        "client_id": "pan_to_msme_qHSovVUTKbdXtHctufdD",
        "status": "pending"
    },
    "status_code": 200,
    "success": true,
    "message": "Success",
    "message_code": "success"
}

Possible Error Responses

Invalid PAN Format

Authentication Error

{
    "data": null,
    "status_code": 400,
    "success": false,
    "message": "Invalid PAN format provided",
    "message_code": "invalid_pan_format"
}

Returned when the PAN number doesn't match the required 10-character alphanumeric format.

Integration Best Practices

Security Recommendations

Store JWT tokens securely and rotate them regularly according to your security policy

Implement proper error handling and logging for authentication failures

Use HTTPS for all API requests and webhook endpoints

Validate PAN format on the client side before making API calls to reduce unnecessary requests

Implement retry logic with exponential backoff for handling temporary failures

User Experience Guidelines

Provide clear feedback to users about the verification process status and expected completion time

Implement polling or webhook mechanisms to provide real-time updates on verification progress

Cache verification results appropriately to avoid redundant API calls for the same PAN

Design user interfaces that clearly communicate the purpose and benefits of MSME verification

Handle edge cases gracefully, such as PAN numbers that are not associated with MSME registrations

Code Samples

cURL

Python

Node.js

Related APIs

PAN to MSME Status Check: Retrieve the current status and results of an initialized MSME verification

MSME Certificate Details: Access comprehensive MSME certificate information and business details

Bulk MSME Verification: Process multiple PAN numbers for MSME verification in a single request

Webhook Management: Configure and manage webhook endpoints for real-time status notifications

Compliance and Legal Considerations

Ensure proper consent is obtained before verifying MSME status using PAN information

Comply with data protection regulations when storing or processing PAN and MSME data

MSME verification should be used only for legitimate business purposes such as compliance, onboarding, or eligibility verification

Implement appropriate data retention policies and secure disposal of sensitive information

Consider implementing audit trails for verification requests to maintain compliance records

Provide your bearer token in the

Authorization

header when making requests to protected resources.

Example:

Authorization: Bearer ********************

curl --location --request POST 'https://kyc-api.surepass.app/api/v1/pan-to-msme/initialize' \ --header 'Authorization: Bearer <token>' \ --header 'Content-Type: application/json' \ --data-raw '{ "pan": "ABCDF1234F" }'

{ "data": { "client_id": "pan_to_msme_qHSovVUTKbdXtHctufdD", "status": "pending" }, "status_code": 200, "success": true, "message": "Success", "message_code": "success" }

Initialize

PAN to MSME Initialize#

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Technical Implementation#

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Example Request#

Response Parameters#

Example Successful Response#

Possible Error Responses#

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