UPI Mobile To Name

Endpoint Overview

POST /api/v1/bank-verification/upi-mobile-to-name

Description

This API retrieves a user's full name and UPI ID by querying the UPI infrastructure with a provided mobile number. It enables seamless identity verification and UPI account discovery, allowing applications to validate user identities and facilitate secure UPI transactions without requiring users to manually enter their UPI details.

Key Benefits

Instant verification of user identity through mobile number lookup

Reduces user friction by auto-populating UPI payment details

Prevents payment errors by confirming recipient identity before transaction

Enhances security by validating UPI ID ownership against mobile numbers

Use Cases

Financial Services

E-commerce

Digital Lending

Verify recipient identity before processing UPI payments

Auto-populate payment forms with verified UPI details

Validate customer identity during account onboarding

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.io

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

Request Parameters

Request Headers

Header	Required	Description
Authorization	Yes	JWT Bearer token for authentication (format: `Bearer YOUR_TOKEN`)
Content-Type	Yes	Must be set to `application/json`

Request Body

Parameter	Type	Required	Description
mobile_number	String	Yes	The mobile number linked to the UPI account (10-digit format without country code)

Example Request

{
    "mobile_number": "8079123456"
}

Process Response

Response Parameters

Parameter	Type	Description
data	Object	Container for the response data
data.client_id	String	Unique identifier for the API request
data.full_name	String	User's full name as registered with UPI
data.upi_id	String	UPI ID associated with the provided mobile number
data.mobile_number	String	The mobile number that was provided in the request
status_code	Integer	HTTP status code indicating the result of the request
success	Boolean	Indicates whether the request was successful
message	String	Human-readable description of the response status
message_code	String	Machine-readable code representing the response status

Example Successful Response

{
    "data": {
        "client_id": "upi_mobile_to_name_kvXzkjQnqxkbNzIftqTN",
        "full_name": "Vishal SINGH Rathore",
        "upi_id": "rathore1234@ybl",
        "mobile_number": "8079123456"
    },
    "status_code": 200,
    "success": true,
    "message": "Success",
    "message_code": "success"
}

Possible Error Responses

Invalid Mobile Number

Authentication Error

Server Error

{
    "errors": {
        "mobile_number": "Mobile Number Mobile should not start with 0 and should be of length 10"
    },
    "message": "Input payload validation failed"
}

The mobile number provided is not in the correct format. Ensure it's a 10-digit number without country code.

Integration Best Practices

Security Recommendations

Store JWT tokens securely and never expose them in client-side code

Implement proper error handling to avoid exposing sensitive information

Validate mobile numbers on your end before making API calls

Implement rate limiting to prevent abuse of the API

User Experience Guidelines

Inform users that their UPI details will be fetched using their mobile number

Implement proper loading states while the API call is in progress

Display clear error messages when UPI details cannot be retrieved

Allow users to manually enter UPI details as a fallback option

Code Samples

cURL

Python

Node.js

Related APIs

Bank Account Verification API - Verify bank account details using account number and IFSC

UPI ID Verification API - Validate UPI IDs and retrieve associated account information

PAN Verification API - Verify identity using Permanent Account Number

Compliance and Legal Considerations

This API accesses personal information through the UPI infrastructure. Ensure you have proper user consent before retrieving their information and comply with data protection regulations like the Personal Data Protection Bill. The data should only be used for the specific purpose disclosed to the user and should be handled according to privacy best practices.

curl --location --request POST 'https://kyc-api.surepass.app/api/v1/bank-verification/upi-mobile-to-name' \ --header 'Content-Type: application/json' \ --data-raw '{ "mobile_number": "8079123456" }'

{ "data": { "client_id": "upi_mobile_to_name_kvXzkjQnqxkbNzIftqTN", "full_name": "Vishal SINGH Rathore", "upi_id": "rathore1234@ybl", "mobile_number": "8079123456" }, "status_code": 200, "success": true, "message": "Success", "message_code": "success" }

UPI Mobile To Name

UPI Mobile To Name#

Description#

Use Cases#

Technical Implementation#

Request Headers#

Request Body#

Example Request#

Response Parameters#

Example Successful Response#

Possible Error Responses#

Integration Best Practices#

Code Samples#

Request

Responses

UPI Mobile To Name

Description

Use Cases

Technical Implementation

Request Headers

Request Body

Example Request

Response Parameters

Example Successful Response

Possible Error Responses

Integration Best Practices

Code Samples