Bureau pulls
CIBIL, Experian, Equifax, and CRIF High Mark behind one endpoint. Soft pulls for pre-approval without touching the score, hard pulls when the application is real.
curl -X POST https://api.neetix.in/v1/bureau/pull \
-H "Authorization: Bearer sk_live_..." \
-d '{
"pan": "ABCPE1234F",
"type": "soft",
"bureau": "cibil"
}'{
"score": 761,
"bureau": "cibil",
"accounts": 7,
"active_accounts": 3,
"dpd_last_12m": 0,
"inquiries_last_6m": 2
}eNACH mandates
eNACH mandate registration over Razorpay and Cashfree rails with UPI Autopay fallback. Present EMIs on schedule and reconcile through signature-verified webhooks.
curl -X POST https://api.neetix.in/v1/mandates \
-H "Authorization: Bearer sk_live_..." \
-d '{
"customer_id": "cust_8814",
"max_amount": 12500,
"frequency": "monthly",
"rail": "enach"
}'{
"mandate_id": "mnd_4471",
"status": "pending_authentication",
"auth_url": "https://rzp.io/i/mnd4471",
"rail": "enach"
}KYC & identity
PAN verification, Aadhaar OTP eKYC, offline Aadhaar XML, face match, and DigiLocker. One API shape across providers, swappable per lending program.
+ 2 more
Bank verification
Penny drop with name match, PAN to account linkage, and bank statement analysis through Account Aggregator rails or manual upload.
+ 2 more
eSign & agreements
Generate the KFS and loan agreement, collect Aadhaar OTP eSign through NSDL or eMudhra, and store the signed artifact with a full audit trail.
Payments
Payouts for disbursal, payment links and UPI intent for collections, refunds for cooling-off returns. Razorpay, Cashfree, and PhonePe behind one interface.
+ 1 more