Overview

The API takes in ifsc and account_number to verify the bank account.

Problem

• Bank account verification is important for businesses as part of their KYC process.
• Relying on customers to provide accurate bank account details.
• For a smooth onboarding journey, you want to verify bank accounts without dropping a penny (INR 1).
• However, they have no reliable way to verify a bank account.

Solution

• This API verifies Bank Account details through a penny-less mechanism.
• Incorporate this API into your user onboarding journey for seamless financial KYC.

Endpoint

🚧

Select Banks are Accepted

The API can be used for Selected Number of Banks. You can use the IFSC Validation API to check if the account falls under these banks.

Request

Follow the below guidelines to pass IFSC and account number for a penny-less verification

Path Parameters

Query Parameters

Sample CURL request

curl --location --request GET 'https://api.sandbox.co.in/bank/SBIN0021745/accounts/026291800001191/penniless-verify?name=JOHN%20DOE&mobile=9999999999' \
--header 'Authorization: eyJhbGciOiJIUzUxMiJ9.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.nH23CR5RHGQ0U19I_vq3vyJ_85A1a2iEMQij5QHgJQdDuS9x7FmTidsr1CQabSFF5ujE40SFxHv1gJM20TauUw' \
--header 'x-api-key: key_live_Ade**************************Uxs' \
--header 'x-api-version: 1.0.0'

✅

Test Environment Available

Response

Response Caching

Response caching has been enabled for this API. You can identify a cached response with the X-cache header. The response from this API will be cached for 24 hours. There will be no wallet charge for cached responses. Learn more about our response caching mechanism here.

Wallet Charges

Since Bank Account Verification [Penny-Less] API is a Paid API, a wallet charge will take place.

Versioning

This API is currently in major version 1.0. Refer to our versioning policies here

Select Banks