use case

Business verification for merchant onboarding

Confirm the business, its registrations and its settlement account in one flow, with the evidence kept for review.

the problem

What teams deal with

A single business can hold several GST registrations across states.
Company, GST and MSME records sit with different sources and rarely line up neatly.
Settlement accounts need checking before the first payout, not after.

a typical flow

Each step is a separate API with the same request and response design. Your policy decides which steps a product needs.

apis

PAN to GSTIN search API
Find the GST registrations linked to a business PAN, where permitted, with the status and state of each.
GSTIN verification API
Check a GSTIN’s registration status and the business details on record: legal and trade name, constitution, jurisdiction and activities.
GST return filing status API
See whether a business has filed its GST returns for each period, as a signal of filing regularity.
CIN and LLPIN company data API
Look up a company or LLP by CIN or LLPIN and see its status, type, incorporation date and permitted officer details.
Udyam (MSME) verification API
Check an Udyam registration and see the enterprise’s name, MSME classification and activities, as of the date the source reports.
Bank account verification API
Check that a bank account exists and can receive funds, and compare the account holder’s name with the name you were given.

good to know

Your KYC obligations remain yours. Koshio supplies checks and the evidence behind them; your policies decide what happens next.
Registration checks show what is on record; they do not establish tax compliance, turnover or ownership.

questions

Can I start from a PAN alone?

Yes. The PAN to GSTIN search finds linked registrations where permitted, and each one can then be checked in turn.

Tell us what your flow looks like today, and we'll show you how the checks fit into it.