My EMI Pay
  1. Applications
  • My-EMI Lending API
  • System
    • Health check
      GET
  • Products
    • List published loan products
      GET
  • Auth
    • Request OTP
      POST
    • Resend OTP
      POST
    • Refresh tokens
      POST
    • Verify OTP
      POST
    • Select a family account after OTP
      POST
    • Add a family member on this phone
      POST
    • Logout
      POST
    • List family profiles on this phone
      GET
    • Send email verification link
      POST
    • Email verification status
      GET
    • Confirm email verification (Bearer)
      GET
    • Confirm email verification token (Bearer)
      POST
    • iOS Universal Links association
      GET
    • Android App Links association
      GET
  • Profile
    • Get customer profile
      GET
    • Update customer profile
      POST
  • Application journey
    • HTML origination document pack
    • Start bank statement consent
    • Poll bank statement consent
    • Application journey
    • Start PAN KYC via DigiLocker
    • PAN KYC status
    • Start Aadhaar KYC via DigiLocker
    • Aadhaar KYC status
    • Edit Aadhaar communication address
    • Verify bank account (KYC)
    • Start eSign
    • eSign status
    • Complete PAN KYC (poll DigiLocker)
    • Complete Aadhaar KYC (poll DigiLocker)
    • Start mock e-NACH
    • Pull bureau report
    • Mock e-NACH status
    • Bureau report
    • Loan eligibility
  • Webhooks
    • Resolve or fail bureau claim
    • Resolve or fail KYC claim
    • Resolve or fail eSign claim
    • Resolve or fail income claim
  • Ops
    • Confirm queued payouts
    • Wake steps that are waiting on a clock
    • Retry one failed payout row
  • Other
    • List published originators
    • HTML origination pack for one originator
  • Application
    • Get current application screen
    • Begin verification
    • Verify PAN
    • Acknowledge credit score
    • Accept offer
    • Create loan
    • Request payout
  • Applications
    • Get current application screen
      GET
    • Begin verification
      POST
    • Verify PAN
      POST
    • Acknowledge credit score
      POST
    • Accept offer
      POST
    • Create loan
      POST
    • Request payout
      POST
  1. Applications

Begin verification

POST
https://api-dev.myemipay.com/applications/begin-verification
Last modified:2026-09-27 17:56:10
Begin verification
Description: moves started → verifying so KYC is allowed. Calling later steps while still started is the wrong state.
Usage: screen status started, youCanNow action begin_verification. First write after OTP for a new application.
Details: optional body { revision }. Pre-processor also sends If-Match from captured revision.
Next: POST /application/profile (journey update_profile), then PAN KYC.
Auth: Authorization: Bearer {{accessToken}}
Errors: 401 unauthorized | session_expired · 403 Forbidden · 404 Application not found · 409 Revision conflict

Request

Header Params

Body Params application/json

Examples

Responses

🟢200Verification started
application/json
Bodyapplication/json

🟠401Unauthorized
🟠409Revision conflict
Request Request Example
Shell
JavaScript
Java
Swift
curl --location 'https://api-dev.myemipay.com/applications/begin-verification' \
--header 'Authorization: Bearer ' \
--header 'Content-Type: application/json' \
--data '{
  "revision": ""
}'
Response Response Example
200 - Verification started
{
  "application": {
    "id": "app_1735123456789",
    "reference": "PME-A1B2C3D4"
  },
  "status": "verifying",
  "message": "We are verifying your details.",
  "youCanNow": [
    {
      "action": "update_profile",
      "title": "Update customer profile",
      "submitTo": "/application/profile"
    }
  ],
  "revision": "2"
}
Modified at 2026-09-27 17:56:10
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