APIs for E-Commerce
Built for Indian Marketplaces
The complete API stack for Indian e-commerce marketplaces, D2C brands, and quick-commerce platforms — seller KYC, fraud detection, mobile intelligence, and payout verification. Cut chargebacks, block fraud, and onboard sellers in minutes, not days.
What's Slowing Down Indian E-Commerce
Indian e-commerce is one of the fastest-growing markets in the world — but marketplaces, D2C brands, and quick-commerce platforms still hit the same operational walls as they scale:
1. Seller fraud is expensive. Fake seller accounts, misrepresented products, and fraudulent chargebacks cost marketplaces crores every year. Manual seller verification takes days and still misses sophisticated fraud patterns.
2. High-risk transactions slip through. Card-not-present fraud, account takeovers, and promo abuse evade rule-based detection. By the time fraud is discovered, the chargeback is already filed.
3. OTP costs eat margins. Flat-rate SMS routing ignores operator differences. Every checkout OTP and login verification costs more than it should. At scale, this adds up to lakhs of rupees annually.
4. Vendor payout failures delay trust. Wrong bank accounts, closed accounts, and name mismatches cause 5-10% of payouts to fail. Sellers get frustrated. Trust erodes. Some leave the platform.
API Express solves all four.
The E-Commerce Stack — 4 APIs, One Key
This is what leading Indian marketplaces, D2C brands, and quick-commerce platforms use on API Express.
Verification API (KYC)
Aadhaar OTP, PAN, DL, and Voter ID verification. Onboard sellers with verified identity in minutes. Meet regulatory requirements for marketplace seller compliance. Full audit trails.
Cyber Security Verification
Score each transaction, signup, and login in under 200ms. Detect card-testing, promo abuse, account takeovers, and synthetic identities. Reduce chargeback rates by 40-70%.
Telecom Operator API
Detect operator and circle for any Indian mobile number. Optimise OTP and SMS routing to cut delivery costs by 15-30%. Segment customers by operator. Flag suspicious number patterns.
UPI / Bank Verification
Validate seller and vendor bank accounts before payouts. Penny drop with beneficiary name match. Confirm the account is active. Eliminate failed settlements and prevent payout fraud.
From Seller Application to Active Listing in Under 5 Minutes
Here's how a marketplace uses API Express to automate seller onboarding while blocking fraudulent sellers.
Seller submits business details, PAN, GST, and bank account info. Takes 2 minutes on mobile or desktop.
KYC API verifies PAN and Aadhaar of the business owner or authorised signatory. Confirms identity in under 5 seconds.
Bank Verification API uses penny drop to confirm the seller's bank account is valid and the name matches. Prevents payout fraud.
Cyber Security API returns a risk score based on device, IP, and historical fraud patterns. Low risk = auto-approve. High risk = manual review.
Seller is approved and can immediately list products. Zero manual verification. Zero delay. Zero fraud from fake sellers.
vs. 2-5 days for manual seller verification. Onboard 10x more sellers with the same trust and compliance.
Real Workflows from Indian E-Commerce Platforms
How different e-commerce verticals use API Express in production.
Verify every seller at onboarding. Screen transactions for fraud in real time. Prevent chargebacks from fraudulent orders. Reduce promo abuse from fake accounts. Result: 40-70% lower fraud losses.
Verify customer phone numbers for OTP routing. Detect fraud on high-value orders. Verify refund accounts before processing returns. Optimise SMS costs across the customer lifecycle.
Verify delivery partner identity before onboarding. Screen high-frequency orders for fraud. Verify customer refund accounts instantly. Optimise OTP delivery for fast-paced signup flows.
Verify merchant accounts. Screen transactions for card-not-present fraud. Validate refund destinations. Prevent account takeovers on customer wallets. All through one API key.
Built for Indian E-Commerce Regulations
Our APIs are designed for the regulatory frameworks Indian e-commerce operates in.
Supports seller KYC and identity verification required by India's Consumer Protection (E-Commerce) Rules, 2020. Full audit trails for regulatory review.
KYC API is compliant with RBI Master Direction requirements. Supports Aadhaar OTP verification with explicit user consent. Full audit logging.
Fraud detection API is aligned with PCI-DSS requirements for payment security. No card data is transmitted or stored — only hashed identifiers and device signals.
All API requests secured with TLS 1.3, API key authentication, and IP whitelisting. Inputs to fraud detection are hashed client-side.
All data processed within Indian data centres. No cross-border transfer. Compliant with data localisation requirements.
Every API request is logged with timestamp, input hash, and response. Exportable for internal audit and regulatory review.
What Changes for E-Commerce Platforms
Measurable impact from day one — across fraud, conversion, and margins.
Real-time risk scoring blocks fraudulent transactions, fake accounts, and promo abuse before they cause losses. Chargeback rates drop dramatically.
Seller KYC that took 2-5 days now takes under 5 minutes. Onboard 10x more sellers with the same team and higher trust.
Route OTPs and SMS through the optimal gateway per operator. At scale, this translates to lakhs of rupees saved annually.
Bank verification ensures every payout lands in the right account. Failed payout rate drops from 5-10% to under 1%. Seller trust improves.
The API Platform Built for Indian E-Commerce
Choosing an API provider is a long-term decision. Here's what makes API Express different for marketplaces and D2C brands.
Score every transaction, signup, and login in under 200ms. Detect card-testing, promo abuse, and account takeovers before they complete.
Aadhaar OTP, PAN, DL, and Voter ID verification. Onboard sellers in minutes with regulatory-compliant identity checks.
Live MNP records ensure operator detection is always correct. Optimise OTP routing for real savings at scale.
Pay-as-you-go, no minimum commitment. Volume discounts apply automatically. No lock-in, no hidden fees.
Our solutions team includes e-commerce specialists who understand marketplace workflows. Support response under 4 hours.
Your first 1,000 API calls free — no credit card. Test KYC, fraud detection, telecom, and bank verification in sandbox.
How an Indian Marketplace Cut Chargebacks by 63% and Onboarded 25,000 Sellers in 90 Days
The challenge: Manual seller verification was taking 3-4 days and still letting fraudulent sellers through. Chargeback rates were climbing month over month. OTP costs were eating margins at scale.
The solution: Integrated Verification API (KYC), Cyber Security API, Bank Verification, and Telecom Operator API. Seller onboarding fully automated. Fraud detection at every transaction. OTP routing optimised.
Client name withheld as per agreement. Metrics verified over a 90-day period.
API Express vs Alternatives for E-Commerce
What sets our e-commerce API stack apart from multi-vendor approaches.
| Factor | API Express | Multi-Vendor Approach | In-House Build |
|---|---|---|---|
| Seller onboarding time | <5 min | 30 min | 2-5 days |
| APIs to integrate | 1 key for all | 3-4 separate keys | N/A |
| Fraud detection | Real-time (<200ms) | Per-vendor | Rule-based only |
| OTP cost optimisation | 15-30% savings | Not available | Custom build |
| Bulk verification | 10,000/batch | Limited | Manual |
| GST-compliant single invoice | Yes | Multiple invoices | N/A |
| Uptime SLA | 99.9% | Varies by vendor | Your team's SLA |
| Free tier | 1,000 calls | Varies | N/A |
E-Commerce — Common Questions
Quick answers to the questions we hear most often from e-commerce platforms. Contact us if yours isn't here.
Indian e-commerce marketplaces, D2C brands, and quick-commerce platforms most commonly use Verification API / KYC (for seller onboarding and customer verification), Cyber Security Verification (for fraud detection and chargeback prevention), Telecom Operator API (for mobile number intelligence and OTP routing), and UPI / Bank Verification (for vendor payouts). These four APIs cover 90% of the technology needs of modern e-commerce businesses.
Verification API (KYC) validates seller identity using Aadhaar OTP, PAN, and bank account verification. Marketplaces use this to prevent fraudulent sellers, comply with regulatory requirements, and reduce chargeback risk. Full audit trails support compliance reviews and dispute resolution.
Yes. Our Cyber Security Verification API scores each transaction, login, or signup in under 200ms — combining device fingerprinting, compromised credential checks, IP intelligence, and velocity signals. E-commerce platforms report 40-70% reductions in fraud losses within the first quarter of deployment.
Telecom Operator API identifies the mobile network operator for any Indian phone number. E-commerce platforms use this for optimal OTP routing (reducing SMS costs by 15-30%), customer segmentation, address validation, and detecting suspicious numbers associated with fraud patterns.
UPI / Bank Verification API uses penny drop to validate seller and vendor bank accounts before payouts. Confirms beneficiary name matches, prevents payout fraud, and reduces failed settlements. Essential for marketplace commission payouts and vendor settlements.
Most e-commerce platforms complete their first API integration within a single business day. All APIs share the same authentication and response format. Sandbox environment, documentation, and code samples are provided for every API.
Yes. Bulk queries are supported across all APIs — KYC supports batch processing, Bank Verification supports bulk penny drop, and Telecom Operator API supports 10,000 lookups per batch. Ideal for onboarding large seller catalogues and periodic verification of existing seller bases.
Yes. Your first 1,000 API calls are completely free with no credit card required. Test seller KYC, fraud detection, telecom, and bank verification in our sandbox before going live.
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Get the Complete E-Commerce API Stack with One Key
Start free with 1,000 API calls across seller KYC, fraud detection, telecom, and bank verification. No credit card required. Live in under a day.