API Banking

Automate your banking operations with KUV API Banking.

Banking as a Service (BaaS)

Turn Your Product into a Fintech Powerhouse

Integrate banking capabilities directly into your product. Automate payouts, create virtual accounts on the fly, and verify user identities—all via simple REST APIs.

Get API Keys Read Docs

// Payout Request Example

POST /api/v1/payouts

{

"account_number": "1234567890",

"ifsc": "KUV0001234",

"amount": 5000,

"mode": "IMPS",

"purpose": "Salary Disbursement"

}

// Response: 200 OK

Core Banking Modules

Everything you need to build a financial product.

Payouts & Disbursals

Send money to any bank account, UPI ID, or Wallet instantly via IMPS, NEFT, or RTGS. Perfect for salaries, vendor payments, and refunds.

Smart Collections

Create unique Virtual Account Numbers and UPI IDs for every customer. Automate reconciliation and track who paid you and when.

Identity Verification

Verify Bank Accounts, PAN Cards, GSTINs, and Aadhaar in real-time before onboarding vendors or customers.

Statement Analysis

Fetch bank statements via APIs and analyze creditworthiness instantly. Ideal for lending and credit platforms.

Webhooks

Get notified instantly when a transaction succeeds or fails. No polling required. Build real-time user experiences.

Auto-Split Payments

Automatically split incoming payments between multiple vendors or partners in real-time. Ideal for marketplaces.

Built for Developers, by Developers

We hate bad documentation as much as you do. That's why KUV offers a world-class developer experience.

  • Sandbox Environment: Test everything with dummy data before going live.
  • Postman Collection: One-click import to start testing API calls.
  • 99.9% Uptime: Reliable infrastructure that scales with your traffic.
  • Bank Grade Security: 256-bit encryption and IP whitelisting.
View API Reference

Who uses API Banking?

Gaming Apps

Instant withdrawal of winnings to user bank accounts.

Lending Firms

Instant loan disbursal and automated repayment collection.

Marketplaces

Split payments between sellers and logistics partners automatically.

HR & Payroll

One-click salary payouts to thousands of employees.

API Banking FAQs

A Virtual Account is a temporary account number mapped to a master bank account. It helps in identifying the source of an incoming payment. For example, you can assign a unique virtual account to every customer to track who paid you automatically.

Limits are set based on your business category and risk profile. However, API banking generally allows for high-volume transactions suitable for enterprise needs.

Yes, we provide a fully functional Sandbox environment where you can simulate successful and failed transactions without moving real money.