Employment 360

Employment 360 is Cashfree Payments’ employment-verification service built on EPFO records. It is best suited to Indian lenders, employers and platforms that need employment history in an operational dashboard or API workflow. Its focused government-source coverage and instant retrieval are useful strengths, while its domestic scope and custom pricing make it a specialist rather than an all-purpose screening choice.

Overview

Employment 360 checks employment details against official Employees’ Provident Fund Organisation databases. A business can submit a phone number, UAN, PAN, or combinations of these inputs. Returned identity fields may include name, gender, UAN and masked Aadhaar details. Employment records can show the latest and past employers, member ID, establishment ID, registered employer name and relieving date. Depending on the result, the service may also provide a phone number, email address, bank account and IFSC code.

This breadth is valuable when employment history is central to a lending, onboarding or background-check decision. It does not extend the product into a general screening suite: the stated source is EPFO and the geographic coverage is domestic.

Key features

EPFO employment history

Using government EPFO data gives teams a direct way to validate UAN-linked employment information, including both current and previous employers. That makes the service relevant to banks and NBFCs, lenders, hiring workflows and other processes where a recorded employment trail matters. The quality of any result is inherently tied to what appears in those databases, so it should be treated as an employment check rather than a complete view of a person.

Real-time, no-intervention retrieval

Cashfree describes retrieval as real-time and says the end user does not need to intervene. That supports automated onboarding and lending journeys in which a business wants a result without sending the applicant through a separate action. It also means the product is designed for a business-controlled verification flow, not a consumer-facing employment-record portal.

Dashboard or API

Operational teams can run checks from a dashboard, while product teams can integrate the developer-friendly API into their own platform. API documentation is provided for implementation. The two access modes let a company start with staff-led checks or place verification inside an existing workflow, although the product page does not publish implementation limits or service quotas.

Security and support

Cashfree’s privacy policy cites ISO/IEC 27001:2022, PCI-DSS v4.0.1 and SOC 2 standards and certifications, and says its information systems undergo regular audits by CERT-In empanelled auditors. The ISO certificate’s scope covers the information security management system for payment services and support functions. Cashfree also acknowledges that no internet transmission or electronic storage method is completely secure, an important consideration when results can include contact and banking fields. Customer questions are directed to Cashfree Payments’ support channel.

Pricing

The Employment 360 plan uses custom pricing, with cost available on request. There is no published free tier, trial term, seat allowance or verification quota to compare. This arrangement can suit organizations that want a tailored commercial discussion and expect recurring verification volume, but it makes budgeting and small-scale evaluation harder than with a self-serve plan. API and dashboard access are part of the product’s delivery options rather than separately priced plans in the published offer.

Platforms

Employment 360 is available through a web dashboard and an API. The dashboard fits staff performing individual operational checks; the API is the relevant route for embedding verification in lending, onboarding or other software. Its stated coverage is domestic, with EPFO as the government data source.

Who it's for

Banks and NBFCs can use employment records as an input to lending decisions, while employers can use them during onboarding and background checks. Software businesses that need an embedded check may prefer the API, and operations teams without an integration project can use the dashboard. Organizations hiring or verifying people outside the domestic EPFO scope should choose a service with broader geographic or data-source coverage.

Pros and cons

• Pro: Official EPFO sourcing provides employment history tied to UAN records, including latest and past employers.
• Pro: Real-time retrieval without end-user intervention reduces steps in automated business workflows.
• Pro: Dashboard and API access support both manual operations and embedded verification.
• Pro: Security certifications and regular CERT-In-audited systems are relevant safeguards for sensitive identity and banking data.
• Con: Domestic, EPFO-based coverage is unsuitable for international checks or screening beyond employment records.
• Con: Custom pricing leaves costs, quotas and commercial limits unclear until a sales conversation.

Alternatives

MyEmployment is the better pick when employees and former employees need a free service across Android, iOS, web and API, with freemium plans priced at $0.

Smile API suits teams that want a freemium API and web service with a sandbox offering mock data and test credentials; production access requires approval and is billable.

Clear Verify is an option for employers seeking a web-based freemium plan with $0 setup, monthly and integration fees.

NSDC Trust Employment Verification is another paid employment-verification option available on Android, iOS, web and API.

RUN Powered by ADP is the alternative for businesses that need payroll and HR capabilities alongside payroll processing, tax filing, direct deposit and employee access.

Argyle fits buyers seeking usage-based verification pricing with no extra charge for reverifications through an API and web platform.

Experian Data Enrichment is aimed at custom enrichment with up to 900 data attributes through a web service.

MicroBilt SPOT Employment Locator is a paid API and web alternative.

For a wider set of products, browse Employment Verification Software.

Verdict

Choose Employment 360 when your business needs domestic employment verification from EPFO databases through a dashboard or API. Its government-source history, instant retrieval and no-intervention flow make it a practical fit for lending, onboarding and employment checks. Look elsewhere if you need coverage beyond the domestic scope, broader screening data or a transparent self-serve price.