Business API

Credit Report

Fetch a detailed credit report (JSON) for an individual using their Aadhaar or PAN number.

Credit Report
POST

Credit Report API — Fetch a detailed credit report (JSON) for an individual using their Aadhaar or PAN number. Returns the credit score and the full credit report data including inquiry details, account summaries, and credit history. Useful for lending decisions, KYC verification, and risk assessment. Consent is automatically set to "Y".

  • Coverage: India
  • Real-time business lookup
  • Structured JSON response
  • POST request with Bearer auth
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Endpoint
POST
https://app.way2api.com/api/v1/credit-report/fetch

Content-Type: application/json
Authorization: Bearer YOUR_API_KEY

Request Parameters
Parameter Type Required Description
name string Yes Full name of the individual.
number string Yes 12-digit Aadhaar number or 10-character PAN (based on fetch_by).
fetch_by string Yes Type of ID document: "aadhaar" or "pan".
mobile string Yes 10-digit mobile number of the individual.
Request Example
<?php $ch = curl_init(); curl_setopt_array($ch, [ CURLOPT_URL => "https://app.way2api.com/api/v1/credit-report/fetch", CURLOPT_RETURNTRANSFER => true, CURLOPT_POST => true, CURLOPT_HTTPHEADER => [ "Authorization: Bearer YOUR_API_KEY", "Content-Type: application/json" ], CURLOPT_POSTFIELDS => json_encode([ "name" => "Rajesh Kumar", "mobile" => "9876543210", "number" => "123456789012", "fetch_by" => "aadhaar" ]) ]); $response = curl_exec($ch); $httpCode = curl_getinfo($ch, CURLINFO_HTTP_CODE); curl_close($ch); $data = json_decode($response, true); print_r($data);
const response = await fetch("https://app.way2api.com/api/v1/credit-report/fetch", { method: "POST", headers: { "Authorization": "Bearer YOUR_API_KEY", "Content-Type": "application/json" }, body: JSON.stringify({ "name": "Rajesh Kumar", "mobile": "9876543210", "number": "123456789012", "fetch_by": "aadhaar" }) }); if (!response.ok) { throw new Error(`HTTP error: ${response.status}`); } const data = await response.json(); console.log(data);
curl -X POST https://app.way2api.com/api/v1/credit-report/fetch \ -H "Authorization: Bearer YOUR_API_KEY" \ -H "Content-Type: application/json" \ -d '{\"name\":\"Rajesh Kumar\",\"mobile\":\"9876543210\",\"number\":\"123456789012\",\"fetch_by\":\"aadhaar\"}'
$.ajax({ url: "https://app.way2api.com/api/v1/credit-report/fetch", type: "POST", contentType: "application/json", headers: { "Authorization": "Bearer YOUR_API_KEY" }, data: JSON.stringify({ "name": "Rajesh Kumar", "mobile": "9876543210", "number": "123456789012", "fetch_by": "aadhaar" }), success: function(data) { console.log(data); }, error: function(xhr) { console.error(xhr.responseJSON); } });
const { data } = await axios.post( "https://app.way2api.com/api/v1/credit-report/fetch", {"name":"Rajesh Kumar","mobile":"9876543210","number":"123456789012","fetch_by":"aadhaar"}, { headers: { "Authorization": "Bearer YOUR_API_KEY" } } ); console.log(data);
import requests response = requests.post( "https://app.way2api.com/api/v1/credit-report/fetch", headers={ "Authorization": "Bearer YOUR_API_KEY", "Content-Type": "application/json" }, json={ "name": "Rajesh Kumar", "mobile": "9876543210", "number": "123456789012", "fetch_by": "aadhaar" } ) print(response.status_code) print(response.json())
Response Example
200 OK Success Response 
{
    "success": true,
    "message": "",
    "data": {
        "order_id": "W2A1739512345abcdef01",
        "result": {
            "number": "123456789012",
            "fetch_by": "aadhaar",
            "mobile": "9876543210",
            "name": "Rajesh Kumar",
            "credit_score": "750",
            "credit_report": {
                "InquiryResponseHeader": [],
                "CCRResponse": []
            },
            "credit_report_link": ""
        }
    }
}
4xx Error Response 
{
    "success": false,
    "message": "Verification Failed.",
    "data": {
        "order_id": "W2A1739512345abcdef01",
        "result": {
            "number": "123456789012",
            "fetch_by": "aadhaar",
            "mobile": "9876543210",
            "name": "Rajesh Kumar",
            "credit_score": "",
            "credit_report": [],
            "credit_report_link": ""
        }
    }
}
Common Response Codes
Code Meaning
200 OK — Request successful
400 Bad Request — Missing or invalid parameters
401 Unauthorized — Invalid or missing API key
429 Too Many Requests — Rate limit exceeded
500 Server Error — Try again later
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