AOP Services

CreditAnalytics-Report

Post https://api.aopay.co.in/api/AOP/CreditAnalytics/Report

A CreditAnalytics Report in this context is a data report generated using the customer’s personal and identification details — such as name, mobile number, date of birth, email ID, and PAN — to retrieve and analyze their credit profile from credit bureau records.

Body Parameters

{
    "FirstName": "Tester",
    "LastName": "Expert", 
    "MobileNumber": "992XXXXXXX",
    "DateOfBirth": "1986-06-06",
    "EmailID": "tester@gmail.com",
    "PanNumber": "MJJPK0885K",
    "OTP": "456789",
    "ConsentMessage": "I agree to share my data for verification purposes",
    "ConsentAcceptance": "Yes",
    "RegistrationID": "AOP-554"
}

Request Parameters

Name	Type	Description
FirstName	String	The person’s first name.
LastName	String	User’s last name / surname.
MobileNumber	String	The Mobile number of the user, often used for verification or notifications.

Table

Name	Type	Description
FirstName	String	The person’s first name.
LastName	String	User’s last name / surname.
MobileNumber	String	The Mobile number of the user, often used for verification or notifications.
DateOfBirth	String	Date of Birth of the user (DD/MM/YYYY).
EmailID	String	The person's email address, used for communication or verification.
PanNumber	String	Permanent Account Number (PAN) — an alphanumeric ID issued by the Indian Income Tax Department.
OTP	String	One-Time Password — a short code sent to the user (via SMS/email) for verification.
ConsentMessage	String	The text of the consent or agreement being accepted (e.g., terms and conditions).
ConsentAcceptance	String	User’s response to the consent message, typically "Yes",, "No", or a boolean (true/false).
RegistrationID	String	Unique registration identifier, often tied to the user.

Responses

200

Response

200

RESPONSE BODY

Json

401

Response

401

RESPONSE BODY

Object

responsecode integer

status boolean

message string

Did this page help you? Yes, No

Language

Shell

Python

Node

PHP

cURL

curl --location --request POST 'https://api.aopay.co.in/api/AOP/CreditAnalytics/Report' \
--header 'Content-Type: application/json' \
--data  '{
  "FirstName": "Tester",
  "LastName": "Expert",
  "MobileNumber": "992XXXXXXX",
  "DateOfBirth": "1986-06-06",
  "EmailID": "tester@gmail.com",
  "PanNumber": "MJJPK0885K",
  "OTP": "456789",
  "ConsentMessage": "I agree to share my data for verification purposes",
  "ConsentAcceptance": "Yes",
  "RegistrationID": "AOP-554"
}'

import requests
import json

url = 'https://api.aopay.co.in/api/AOP/CreditAnalytics/Report'
payload = "{
  "FirstName": "Tester",
  "LastName": "Expert",
  "MobileNumber": "992XXXXXXX",
  "DateOfBirth": "1986-06-06",
  "EmailID": "tester@gmail.com",
  "PanNumber": "MJJPK0885K",
  "OTP": "456789",
  "ConsentMessage": "I agree to share my data for verification purposes",
  "ConsentAcceptance": "Yes",
  "RegistrationID": "AOP-554"
}" 

headers = {
  "Content-type" : "application/json"
}

response = requests.request("POST", url, headers=headers, data=payload)

print (response.text)

var requests = require("request");
var options = { 
  "method" : "POST",
  "url" : 'https://api.aopay.co.in/api/AOP/CreditAnalytics/Report',
  "headers" : {
    "Content-Type" : 'application/json'
  },
  body: '{
    "FirstName": "Tester",
    "LastName": "Expert",
    "MobileNumber": "992XXXXXXX",
    "DateOfBirth": "1986-06-06",
    "EmailID": "tester@gmail.com",
    "PanNumber": "MJJPK0885K",
    "OTP": "456789",
    "ConsentMessage": "I agree to share my data for verification purposes",
    "ConsentAcceptance": "Yes",
    "RegistrationID": "AOP-554"
  }' 
}; 
request(options, function(error, response){
   if(error) throw new Error(error);
   console.log(response.body); 
});

var client = new HttpClient();
var request = new HttpRequestMessage(HttpMethod.Post,'https://api.aopay.co.in/api/AOP/CreditAnalytics/Report')
var content = new StringContent(
  "{
    "FirstName": "Tester",
    "LastName": "Expert",
    "MobileNumber": "992XXXXXXX",
    "DateOfBirth": "1986-06-06",
    "EmailID": "tester@gmail.com",
    "PanNumber": "MJJPK0885K",
    "OTP": "456789",
    "ConsentMessage": "I agree to share my data for verification purposes",
    "ConsentAcceptance": "Yes",
    "RegistrationID": "AOP-554"
  }",
  null,"application/json"
); 

request.Content = content;
var response =  await client.SendAsync(request);
response.EnsureSuccessStatusCode();
Console.WriteLine(await response.Content.ReadAsStringAsync());

<?php
$curl =  curl_init();
curl_setopt_array($curl, array(
  CURLOPT_URL =>  'https://api.aopay.co.in/api/AOP/CreditAnalytics/Report',
  CURLOPT_RETURNTRANSFER =>  true,
  CURLOPT_ENCODING =>  '',
  CURLOPT_MAXREDIRS =>  10,
  CURLOPT_TIMEOUT =>  0,
  CURLOPT_FOLLOWLOCATION =>  true,
  CURLOPT_HTTP_VERSION =>  CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST =>  'POST',
  CURLOPT_POSTFIELDS =>  '{
   "FirstName": "Tester",
   "LastName": "Expert",
   "MobileNumber": "992XXXXXXX",
   "DateOfBirth": "1986-06-06",
   "EmailID": "tester@gmail.com",
   "PanNumber": "MJJPK0885K",
   "OTP": "456789",
   "ConsentMessage": "I agree to share my data for verification purposes",
   "ConsentAcceptance": "Yes",
   "RegistrationID": "AOP-554"
  }',
  CURLOPT_HTTPHEADER =>  array(
    'Content-Type: application/json'
  ),
));
$response =  curl_exec($curl);
curl_close($curl);
echo $response;

RESPONSE

{
"http_response_code": 200,
"client_ref_num": "TERF920989",
"request_id": "c549f76e-df88-4b08-86c3-a3de5c54f9c7",
"result_code": 101,
"message": "success",
"result": {
    "result_json": {
        "INProfileResponse": {
            "Header": {
                "SystemCode": "0",
                "MessageText": null,
                "ReportDate": "20241203",
                "ReportTime": "192127"
            },
            "UserMessage": {
                "UserMessageText": "Normal Response"
            },
            "CreditProfileHeader": {
                "ReportDate": "20241203",
                "ReportTime": "192127",
                "Version": "V2.4",
                "ReportNumber": "1733233887804",
                "Subscriber": null,
                "Subscriber_Name": "Bureau Disclosure Report with Customized Match V3"
             },
            "Current_Application": {
    "Current_Application_Details": {
        "Enquiry_Reason": "6",
        "Finance_Purpose": null,
        "Amount_Financed": "0",
        "Duration_Of_Agreement": "0",
        "Current_Applicant_Details": {
            "Last_Name": null,
            "First_Name": "Trisha",
            "Middle_Name1": null,
            "Middle_Name2": null,
            "Middle_Name3": null,
            "Gender_Code": null,
            "IncomeTaxPan": "WLCPD4323E",
            "PAN_Issue_Date": null,
            "PAN_Expiration_Date": null,
            "Passport_number": null,
            "Passport_Issue_Date": null,
            "Passport_Expiration_Date": null,
            "Voter_s_Identity_Card": null,
            "Voter_ID_Issue_Date": null,
            "Voter_ID_Expiration_Date": null,
            "Driver_License_Number": null,
            "Driver_License_Issue_Date": null,
            "Driver_License_Expiration_Date": null,
            "Ration_Card_Number": null,
            "Ration_Card_Issue_Date": null,
            "Ration_Card_Expiration_Date": null,
            "Universal_ID_Number": null,
            "Universal_ID_Issue_Date": null,
            "Universal_ID_Expiration_Date": null,
            "Date_Of_Birth_Applicant": null,
            "Telephone_Number_Applicant_1st": null,
            "Telephone_Extension": null,
            "Telephone_Type": null,
            "MobilePhoneNumber": "9584324371",
            "EMailId": null
},
                                    "Current_Other_Details": {
    "Income": "0",
    "Marital_Status": null,
    "Employment_Status": null,
    "Time_with_Employer": null,
    "Number_of_Major_Credit_Card_Held": null
},
"Current_Applicant_Address_Details": [
    {
        "FlatNoPlotNoHouseNo": null,
        "BldgNoSocietyName": null,
        "RoadNoNameAreaLocality": null,
        "City": null,
        "Landmark": null,
        "State": null,
        "PINCode": null,
        "Country_Code": "IB"
    }
],
"Current_Applicant_Additional_AddressDetails": null
    }
},
        "CAIS_Account": {
    "CAIS_Summary": {
        "Credit_Account": {
            "CreditAccountTotal": "1",
            "CreditAccountActive": "1",
            "CreditAccountDefault": "0",
            "CreditAccountClosed": "0",
            "CADSuitFiledCurrentBalance": "0"
        },
        "Total_Outstanding_Balance": {
            "Outstanding_Balance_Secured": "75000",
            "Outstanding_Balance_Secured_Percentage": "100",
            "Outstanding_Balance_UnSecured": "0",
            "Outstanding_Balance_UnSecured_Percentage": "0",
            "Outstanding_Balance_All": "75000"
        }
    },
            "CAIS_Account_DETAILS": [
    {
        "Identification_Number": "BP03090011",
        "Subscriber_Name": "XXXX",
        "Account_Number": "XXXXXXX7879",
        "Portfolio_Type": "I",
        "Account_Type": "03",
        "Open_Date": "20170910",
        "Credit_Limit_Amount": null,
        "Highest_Credit_or_Original_Loan_Amount": "100000",
        "Terms_Duration": null,
        "Terms_Frequency": null,
        "Scheduled_Monthly_Payment_Amount": null,
        "Account_Status": "11",
        "Payment_Rating": "?",
        "Payment_History_Profile": "????????????????????????????????????",
        "Special_Comment": null,
        "Current_Balance": "75000",
        "Amount_Past_Due": null,
        "Original_Charge_Off_Amount": null,
        "Date_Reported": "20221215",
        "Date_of_First_Delinquency": null,
        "Date_Closed": null,
        "Date_of_Last_Payment": null,
        "SuitFiledWillfulDefaultWrittenOffStatus": null,
        "SuitFiled_WilfulDefault": null,
        "Written_off_Settled_Status": null,
        "Value_of_Credits_Last_Month": null,
        "Occupation_Code": null,
        "Settlement_Amount": null,
        "Value_of_Collateral": null,
        "Type_of_Collateral": null,
        "Written_Off_Amt_Total": null,
        "Written_Off_Amt_Principal": null,
        "Rate_of_Interest": null,
        "Repayment_Tenure": "0",
        "Promotional_Rate_Flag": null,
        "Income": null,
        "Income_Indicator": null,
        "Income_Frequency_Indicator": null,
        "DefaultStatusDate": null,
        "LitigationStatusDate": null,
        "WriteOffStatusDate": null,
        "DateOfAddition": "20221115",
        "CurrencyCode": "INR",
        "Subscriber_comments": null,
        "Consumer_comments": null,
        "AccountHoldertypeCode": "1",
        "CAIS_Account_History": [
            {
                "Year": "2022",
                "Month": "12",
                "Days_Past_Due": null,
                "Asset_Classification": "?"
            },
            {
            "Year": "2022", 
"Month": "11",
"Days_Past_Due": null, 
"Asset_Classification": "?"  
}
],
"CAIS_Holder_Details": [  
    {  
        "Surname_Non_Normalized": "Bos",
        "First_Name_Non_Normalized": "tester", 
        "Middle_Name_1_Non_Normalized": null, 
        "Middle_Name_2_Non_Normalized": null,
        "Middle_Name_3_Non_Normalized": null, 
        "Alias": null,
        "Gender_Code": "2",  
        "Income_TAX_PAN": "WLCPD4323E", 
        "Passport_Number": null, 
        "Voter_ID_Number": null,  
        "Date_of_birth": "19900717"  
    }  
],  

"CAIS_Holder_Address_Details": [  
    {  
        "First_Line_Of_Address_non_normalized": "Goa",
        "Second_Line_Of_Address_non_normalized": "mg road", 
        "Third_Line_Of_Address_non_normalized": null,  
        "City_non_normalized": null,  
        "Fifth_Line_Of_Address_non_normalized": null,  
        "State_non_normalized": "27",
        "ZIP_Postal_Code_non_normalized": "400054", 
        "CountryCode_non_normalized": "IB", 
        "Address_indicator_non_normalized": null,  
        "Residence_code_non_normalized": null  
    }  
], 
       "CAIS_Holder_Phone_Details": [
    {
        "Telephone_Number": "XXXXXX4371",
        "Telephone_Type": null,
        "Telephone_Extension": null,
        "Mobile_Telephone_Number": null,
        "FaxNumber": null,
        "EMailId": "abc@boscenter"
    }
],
"CAIS_Holder_ID_Details": [
    {
        "Income_TAX_PAN": "WLCPD4323E",
        "PAN_Issue_Date": null,
        "PAN_Expiration_Date": null,
        "Passport_Number": null,
        "Passport_Issue_Date": null,
        "Passport_Expiration_Date": null,
        "Voter_ID_Number": null,
        "Voter_ID_Issue_Date": null,
        "Voter_ID_Expiration_Date": null,
        "Driver_License_Number": null,
        "Driver_License_Issue_Date": null,
        "Driver_License_Expiration_Date": null,
        "Ration_Card_Number": null,
        "Ration_Card_Issue_Date": null,
        "Ration_Card_Expiration_Date": null,
        "Universal_ID_Number": null,
        "Universal_ID_Issue_Date": null,
        "Universal_ID_Expiration_Date": null,
        "EMailId": null
        }
       ]
    }
   ]
},

"Match_result": {
    "Exact_match": "Y"
},
"TotalCAPS_Summary": {
    "TotalCAPSLast7Days": "0",
    "TotalCAPSLast30Days": "0",
    "TotalCAPSLast90Days": "0",
    "TotalCAPSLast180Days": "0"
},
                                    "CAPS": {
    "CAPS_Summary": {
        "CAPSLast7Days": "0",
        "CAPSLast30Days": "0",
        "CAPSLast90Days": "0",
        "CAPSLast180Days": "0"
    }
},
"NonCreditCAPS": {
    "NonCreditCAPS_Summary": {
        "NonCreditCAPSLast7Days": "0",
        "NonCreditCAPSLast30Days": "0",
        "NonCreditCAPSLast90Days": "0",
        "NonCreditCAPSLast180Days": "0"
    }
},
"SCORE": {
    "BureauScore": "771",
    "BureauScoreConfidLevel": null
                    }
                }
          }
     }
}

{
    "code": "207",
    "description": "Amount is Requaired",
    "merchantTrxnRefId": null,
    "token": null,
    "status": "False"
}