CIBIL Transunion

Identity & KYC

Reviews an individual’s credit history using a TransUnion CIBIL credit report obtained through an authorized process. The check covers the available credit score, loan and credit card accounts, repayment history, outstanding balances and reported adverse account statuses. Processing is subject to the individual’s consent, permitted purpose and applicable access requirements.

Endpoint

POST https://app.emver.io/api/sandbox/v1/cibil-transunion

Authorization: Bearer YOUR_API_KEY

Content-Type: application/json

Accept: application/json

Request parameters

Consent required. Collect the consent of the person being verified to “I confirm the customer has given consent for a credit check.” and send consent: true (or "Y") with the call. A call without it is refused with 422 consent_required before anything is billed. consent: false is refused with consent_declined.

How to send it

Show the person the statement above, record their answer, then add one field to the JSON body alongside the request parameters. The statement, the purpose and the time of consent are recorded on our side with every call.

{
  "...": "your request parameters",
  "consent": true
}

You send	Result
`consent: true` or `"Y"`	The call runs; consent is recorded as given.
`consent: false` or `"N"`	422, `code: consent_declined`. Nothing is billed.
Field missing	422, `code: consent_required`. Nothing is billed.
Any other value	422, `code: consent_invalid`, with a field-level `errors` map.

Field	Type	Description
`first_name` required	string	First Name
`last_name` required	string	Last Name
`phone_number` required	phone	Phone Number Indian mobile number starting with 6-9
`dob` required	date	Date of Birth
`gender` required	enum	Gender One of: `Male`, `Female`, `Other`
`pan_card_number` required	string	PAN Card Number
`consent` required	boolean	Consent of the person true (or "Y") once the person being verified has agreed to: "I confirm the customer has given consent for a credit check." false (or "N") if they declined — the call is then refused. Required: a call without it is refused with 422 code consent_required.

Example request

cURL

curl -X POST https://app.emver.io/api/sandbox/v1/cibil-transunion \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -H "Accept: application/json" \
  -d '{
    "first_name": "string",
    "last_name": "string",
    "phone_number": "9999999999",
    "dob": "YYYY-MM-DD",
    "gender": "Male",
    "pan_card_number": "string",
    "consent": true
}'

import requests

response = requests.post(
    "https://app.emver.io/api/sandbox/v1/cibil-transunion",
    headers={
        "Authorization": "Bearer YOUR_API_KEY",
        "Accept": "application/json",
    },
    json={
        "first_name": "string",
        "last_name": "string",
        "phone_number": "9999999999",
        "dob": "YYYY-MM-DD",
        "gender": "Male",
        "pan_card_number": "string",
        "consent": true
    },
    timeout=60,
)
response.raise_for_status()
data = response.json()

const response = await fetch("https://app.emver.io/api/sandbox/v1/cibil-transunion", {
  method: "POST",
  headers: {
    "Authorization": "Bearer YOUR_API_KEY",
    "Content-Type": "application/json",
    "Accept": "application/json",
  },
  body: JSON.stringify({
      "first_name": "string",
      "last_name": "string",
      "phone_number": "9999999999",
      "dob": "YYYY-MM-DD",
      "gender": "Male",
      "pan_card_number": "string",
      "consent": true
  }),
});

const data = await response.json();

$response = Http::withToken('YOUR_API_KEY')
    ->acceptJson()
    ->post('https://app.emver.io/api/sandbox/v1/cibil-transunion', {
        "first_name": "string",
        "last_name": "string",
        "phone_number": "9999999999",
        "dob": "YYYY-MM-DD",
        "gender": "Male",
        "pan_card_number": "string",
        "consent": true
    });

$data = $response->json();

Replace YOUR_API_KEY and the placeholder values. Use the switch above to see production URLs.

Response

Structure · 200

{
  "status": STRING,
  "message": STRING,
  "reference_id": STRING
}

Example · 200

{
  "status": "string",
  "message": "string",
  "reference_id": "string"
}

Error · 4xx / 5xx

{
  "status": INTEGER,
  "message": STRING
}

See Errors & status codes for what each status means and which calls are billed.