PAN Verification API: What to Get Right Before You Onboard at Scale
PAN is the identifier almost every Indian onboarding flow leans on. Here is what the API actually confirms, where name matching breaks, and how to sequence it.
14 min readDotMik Journal
Working notes on moving money in India
Payout and collection APIs, connected banking, verification and the operational detail that only shows up once a system is carrying real volume. No vendor talk — just how these things behave.
Latest article
LatestAPIWhat to Settle Before You Integrate a Payout API
Idempotency, status lifecycles, webhook verification and reconciliation — the four things that decide whether an integration survives its first busy day.
13 min readRecent
Bulk Payout API: Running Payroll and Vendor Runs Without Surprises
At scale a payout batch is never all-or-nothing. Partial failure is the normal case, and the systems that cope plan for it from the first line of code.
14 min read
GST Verification in India: A Complete Workflow for B2B Onboarding
A GSTIN encodes more than it appears to. Here is how to read it, what the lookup confirms, and how to resolve the mismatches that show up most often.
13 min readVerification
What each check actually confirms, where it fails in production, and how to order them so onboarding stays fast without getting careless.
PAN Verification API: What to Get Right Before You Onboard at Scale
PAN is the identifier almost every Indian onboarding flow leans on. Here is what the API actually confirms, where name matching breaks, and how to sequence it.
14 min readGST Verification in India: A Complete Workflow for B2B Onboarding
A GSTIN encodes more than it appears to. Here is how to read it, what the lookup confirms, and how to resolve the mismatches that show up most often.
13 min read
Bank Account Verification: Penny Drop, Penny-less, and When to Use Each
Before you send money, confirm the account exists and belongs to who you think. Two methods do this differently — with real trade-offs in cost, speed and certainty.
11 min readPayments
Payouts and collections as they behave under load — partial failures, pending states, and the reconciliation that catches what an API response will not tell you.
Bulk Payout API: Running Payroll and Vendor Runs Without Surprises
At scale a payout batch is never all-or-nothing. Partial failure is the normal case, and the systems that cope plan for it from the first line of code.
14 min read
UPI Collections in 2026: Intent, Collect Requests and QR Compared
One rail, several front doors — and they are not interchangeable. Choosing the wrong one is a common and entirely avoidable cause of abandoned checkouts.
12 min read
Payment Links or Dynamic QR? Picking the Right Way to Get Paid
Both carry the amount and a reference, so both reconcile cleanly. The real difference is how the request reaches the customer, and that decides which one fits.
10 min readBanking
Multi-account visibility, reconciliation that does not need a spreadsheet, and spend controls that work before the money leaves rather than after.
Connected Banking: One View Across Every Current Account
Growing businesses accumulate accounts across several banks. Connected banking makes them legible without closing any of them — here is what to ask before adopting one.
12 min read
Virtual Accounts: Ending Manual Payment Reconciliation
Most matching problems are reference problems. Give each payer their own account number and identity stops being something you have to infer.
11 min read
Corporate Expense Cards: Control Without Slowing the Team Down
Reimbursement puts the cost on the employee and the work at month end. Cards move both — but only if the limits and categories are set deliberately.
10 min readAPI
The parts of an integration that only bite in production — idempotent writes, out-of-order events, and the failure cases a sandbox never shows you.
What to Settle Before You Integrate a Payout API
Idempotency, status lifecycles, webhook verification and reconciliation — the four things that decide whether an integration survives its first busy day.
13 min read
Webhooks or Polling? How to Track Payment Status Reliably
Webhooks are fast and cheap but assume you are reachable. Polling is dull and dependable. Production systems need both, wired through one code path.
10 min readInsurance
What separates a policy that pays from one that argues, and which questions to ask before the premium comparison starts.
Inclusive Banking
How assisted banking reaches people an app does not, and what keeps an agent network running once it exists.
