Bank Account Verification (penny-less)

Overview

The API takes in ifsc and account_number to verify the user's bank account

Problem

  • It is mandatory for businesses to conduct bank account verification where they have to process online payments
  • This practice avoids possible fraud by sending money to the wrong account.

Solution

  • Bank account verification API uses a penniless mechanism to verify the authenticity of a customer's bank account.
  • This allows you to cross-check the details fetched from the API with what the customers have provided you.

Endpoint

HTTP MethodResource
GET/bank/:ifsc/accounts/:account_number/penniless-verify?name={{name}}&mobile={{mobile}}

API EndpointAPI Endpoint

🚧

Select Banks are Accepted

The API can only be used for Select Number of Banks. You can use the IFSC Validation API to check if the account falls under this bank.

Request

You would require the ifsc code and bank account number in your path parameters, while the name and mobile number are optional query parameters

Path Parameters

ParamTypeDescriptionExample
ifscstring11-digit alpha-numeric code used to identify the bank branchesSBIN0021745
account_numberstringBank account number. Max length: 40 characters.026291800001191

Query Parameters

ParamTypeDescriptionExample
namestringName of the Account holder.John Doe
mobilestringMobile number of the account holder.9999999999

Once the values are added, Your curl will look something like this

curl --location --request GET 'https://api.sandbox.co.in/bank/HDFC0000001/accounts/12345678912/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'

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Test this API

We provide Test Data for this API. You can access them on the endpoint page. Note that you need to use your test_keys with this data.


Response

Param

Type

Description

Example

reference_id

string

Reference id of the verification

1234567

account_exists

boolean

Indicates if the account exists or not. Possible values:
true or false

true

amount_deposited

num

Returns 1, if the penny drop mechanism was successful.

1

message

string

Returns message to know if the account was verified successfully or not.

Bank Account details verified successfully

name_at_bank

string

Name of the account holder

John Doe

Response Codes

StatusResponse CodeAccount StatusMessage
SUCCESS200VALIDBank Account details verified successfully
SUCCESS200INVALIDInvalid account number or IFSC provided
SUCCESS200INVALIDGiven the account is an NRE account
SUCCESS200INVALIDAccount is blocked
SUCCESS200INVALIDIFSC is invalid

Select Banks

Banks AcceptableIFSC Code first 4 digit
Kotak MahindraKKBK
Axis bankUTIB
SURYODAY SMALL FINANCE BANK LIMITEDSURY
SBI BankSBIN
IDBI BANKIBKL
YES BANKYESB
CORPORATION BANKCORP
ALLAHABAD BANKALLA
PAYTM PAYMENTS BANK LTDPYTM
CITI BANKCITI
DEVELOPMENT BANK OF SINGAPOREDBSS
INDIA POST PAYMENT BANKIPOS
ANDHRA BANKANDB
INDUSIND BANKINDB
BANK OF MAHARASHTRAMAHB
FEDERAL BANKFDRL
NSDL Payments BankNSPB
Jana Small Finance BankJSFB
Union BankUBIN
Canara BankCNRB
Indian BankIDIB
South Indian BankSIBL
Standard Chartered BankSCBL
Karnataka BankKARB
UCO BankUCBA
TJSB BankTJSB
Cosmos Cooperative BankCOSB
RAJKOT NAGARIK SAHAKARI BANK LTDRNSB
Bank of BarodaBARB
HDFC BankHDFC
Bank of IndiaBKID
Saraswat Co-operative BankSRCB
Punjab and Sind BankPSIB
Tamilnad Mercantile Bank LTDTMBL
City union BankCIUB
CATHOLIC SYRIAN BANK LTDCSBK
AU Small Finance BankAUBL
The Shamrao vithal Co-operative BankSVCB
Abhyudaya Co-op BankABHY
Dhanalaxmi BankDLXB
The Ratnakar Bank LimitedRATN
THE JAMMU AND KASHMIR BANK LTDJAKA
Janta Sahakari BankJSBP
PRAGATHI KRISHNA GRAMIN BANKPKGB
THE KALUPUR COMMERCIAL CO. OP. BANK LTD.KCCB
PARSIK JANATA SAHAKARI BANK LTDPJSB
Equitas Small Finance BankESFB
DEOGIRI NAGARI SAHAKARI BANK LTD.DEOB

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