documentverification/cashfree

Cashfree Secure ID - AI Knowledge Base & Technical Documentation

This directory contains comprehensive technical documentation, API specifications, workflows, and test data for Cashfree Secure ID (Cashfree Verification Suite / VRS). It is structured specifically to serve as context for AI models, developer assistants, and automated integration workflows.

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Document Index

1. Introduction & Setup (secure_id_introduction.md)

   • Core Architecture & Verification Suite Overview
   • Environments & Base URLs (Sandbox vs Production)
   • Authentication Credentials (x-client-id, x-client-secret)
   • 2FA Signature Generation (RSA Encryption & Timestamping)
   • IP Whitelisting & Security Controls
   • Rate Limits & API Success Rate Alerts

2. KYC Stack & Verification (kyc_stack.md)

   • Bank Account Verification (Sync V2, Async V2, Bulk V2)
   • Reverse Penny Drop & UPI Penny Drop
   • IFSC Code Lookup & Branch Verification
   • PAN Verification (PAN Lite, PAN 360, Sync V2, Bulk V2)
   • Aadhaar Verification & Masking
   • No-code KYC Links (Form Link & Static Link)

3. Biometric KYC & Smart OCR (biometric_and_smart_ocr.md)

   • Biometric KYC:
     • Face Match (AI image similarity scoring)
     • Name Match (Phonetic & Indian name variation algorithms)
     • Face Liveness Detection (Anti-spoofing AI check)
   • Smart OCR:
     • Auto-extraction & forgery detection across 10+ document types (Aadhaar, PAN, Driving Licence, Voter ID, Passport, Vehicle RC, Cancelled Cheque, Invoice)
     • Field schemas & verification results

4. Video KYC & 1-Click Onboarding (video_kyc_and_1click_onboarding.md)

   • Video KYC (VKYC):
     • RBI vCIP Compliant Remote Onboarding
     • End-User, Agent, Auditor & Merchant Journeys
     • SDK vs API Integration Models & Notification Templates
   • 1-Click Onboarding:
     • Mobile 360 (Identity & pre-fill from mobile number)
     • Advanced Employment Verification (EPFO & PF history)
     • OAuth Session & Access Token Flow

5. OVDs, KYB, Address Verification & E-Sign (ovd_kyb_address_esign.md)

   • Officially Valid Documents (OVDs): Voter ID, Driving Licence, Passport, Vehicle RC
   • Know Your Business (KYB): GSTIN Verification, PAN-to-GSTIN, CIN Check, Udyam Verification, PAN-to-Udyam
   • Address Verification: Geocoding (Address to Lat/Long) & Reverse Geocoding
   • E-Sign Suite: Aadhaar-based digital document signing workflow

6. Webhooks & Sandbox Test Data (webhooks_and_test_data.md)

   • Webhook Setup, Payloads & x-webhook-signature HMAC Verification
   • Complete Sandbox Test Credentials, Sample Document Numbers, Test Accounts, and Expected Statuses for every API

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Quick Reference Summary

Parameter / Feature	Value / Details
Sandbox Base URL	https://sandbox.cashfree.com/verification
Production Base URL	https://api.cashfree.com/verification
Authentication Headers	x-client-id, x-client-secret, x-api-version: 2024-01-01 (or 2022-09-01)
2FA Method Header	x-cf-signature (RSA-encrypted clientId.timestamp using downloaded public key)
Test Standard OTP	111000 (or 123456 for VKYC / 1234 for 1-Click Onboarding)
Primary Doc Source	Cashfree Secure ID Docs