PaisaBazaar API Integration · Open Data & Open Finance Solutions

Protocol analysis, API implementation and compliant delivery for credit scoring, loan and credit card markets

Starting at $300
OpenData · OpenFinance · Protocol Analysis · Credit Products

Securely connect Paisabazaar's credit scoring, loan, and credit card capabilities to your systems

We provide target app protocol analysis, open/authorized API implementation, credit score synchronization, loan/card recommendations and application flows, delivering runnable API source code and documentation to meet compliance and audit needs.

Credit scoring service integration — Monthly credit score lookups, scraping reports from bureaus (e.g., CIBIL), score interpretation and tier mapping, supporting multilingual locales and multi-source data fusion.
Loan and card recommendations API — Real-time retrieval of personalized loan and credit card products, ranked by an "Approval Chance" model, with pre-approval and one-click application workflows.
End-to-end digital workflow — From user authentication, KYC, document uploads to loan/card notifications, integrated for mobile and back-end batch tasks.
Compliant data export — Generate CSV/Excel/PDF reports for audits and financial analysis, with data minimization and retention controls.
Contact us View Deliverables

Deliverables and Services

Standard Deliverables

  • Protocol and authorization workflow analysis (OAuth/OpenID/Token flows)
  • OpenAPI (Swagger) specifications and mock server
  • Runnable source code (Node.js / Python / Go optional) and sample SDK
  • Automated test scripts, integration tests and sample data
  • Compliance guidance (data minimization, KYC paths, logging retention)

Example: Credit Score Query API (pseudo-code)

POST /api/v1/paisabazaar/credit-score
Content-Type: application/json
Authorization: Bearer <ACCESS_TOKEN>

{
  "user_id": "user_12345",
  "report_providers": ["CIBIL","Equifax"],
  "locale": "hi-IN"
}

Response 200 OK
{
  "status": "SUCCESS",
  "score": 726,
  "tier": "Good",
  "breakdown": {
    "payment_history": 320,
    "credit_utilization": 200,
    "age_of_account": 206
  },
  "report_url": "https://api.yourdomain/reports/rep_98765.pdf"
}

Scenario-based integration

Monthly/on-demand credit score syncing, loan pre-approval based on approval probability models, credit card pre-approval (Step-Up / virtual card issuance), and a combined recommendation engine (multi-bank data aggregation).

Compliance & Security

All work is based on client authorization or public/partner APIs. We adopt data minimization, consent logs, and audit-ready reporting. NDA available if needed and security testing can be performed.

Technical Capabilities

  • Mobile app protocol analysis and data scraping (reverse engineering under authorized contexts)
  • OpenData integration and third-party financial data aggregation
  • Deployable microservice architecture (Docker / Kubernetes)
  • Supports OAuth2.0 / OpenID / JWT / SAML authorization

About Us

We are a studio focused on app protocol analysis and authorized API integration. Our team comes from fintech, mobile and security backgrounds, delivering end-to-end services from protocol analysis to OpenData integration and automated scripts/documentation.

  • Compliance-first approach: adhere to local financial regulations and privacy standards
  • Multi-platform support: Android / iOS / backend SDK
  • Deliverables: runnable source code, OpenAPI docs, and test cases
  • Transparent pricing: starting at $300, with post-delivery payment options per contract

Contact Us

To get a quote or share target App name and requirements (e.g., credit score sync, loan integration, card pre-approval), please visit our contact page:

Visit Contact Page / Submit Requirement

📱 Paisabazaar Original App: Full feature overview (collapsed)

Paisabazaar is India’s leading consumer credit and free credit score marketplace, offering loan and credit card product comparisons, credit score checks, and fully digital application processes. Over the past decade, it has built partnerships with multiple banks and NBFCs, using a "Chance of Approval" model to present the best matches to users.

  • Free access to monthly credit scores and reports from multiple bureaus, with multilingual support
  • Personal loans: personalized products, pre-approval limits, minimal documentation, and fast disbursement
  • Credit cards: 60+ cards, pre-approval recommendations, fully digital application flow
  • Home loans: competitive rates and balance transfer options
  • Step-Up cards: collateral-based secured cards for credit-building
  • Credit limit, tenure and APR references with example total cost
  • Customer support: phone, email, and online chat channels

Note: This document uses Paisabazaar as an illustrative target app to demonstrate our UPI/OpenFinance protocol analysis and interface implementation capabilities. For a specific Paisabazaar integration, please submit requirements and authorized test credentials via the contact page.