Bank Verification Sync

Use this API to validate the given bank account number and IFSC. This is a sync verification request.

The API returns a response in two cases:

  1. The bank account or IFSC or both are invalid.
  2. The bank account and IFSC combination are verified.

Additionally, if a request is made again using the same bank account details while the previous request is being processed you will get a response stating that the request is in process along with the refId.

To fetch the status of such a request you can use the Get Verification Status API, by passing the refId as bvRefId.

Bank account verification uses the IMPS network. Verification will return the account status as "VALID" for any valid IFSC of the bank where the account exists. The API also returns city, branch and MICR in the response. However, these are returned on the basis of the IFSC provided. It is possible that the bank account may be linked to a different IFSC in the same bank.

Click here to view the response codes.

Response Codes

Status - Success

Sub Code

Account Status

Account Status Code

Message

Bank Account

IFSC

200

VALID

ACCOUNT_IS_VALID

Bank Account details verified successfully

026291800001191

YESB0000262

200

INVALID

INVALID_BANK_ACCOUNT

Invalid account number or IFSC provided

7766666585146

YESB0000001

200

INVALID

INVALID_IFSC

IFSC is invalid

7766667287515

ICIC0000001

200

INVALID

ACCOUNT_BLOCKED

Account is blocked

7766667989884

RATN0000070

200

INVALID

NRE_ACCOUNT

Given account is an NRE account

7766667755761

ICIC0000001

Status - Error

Sub Code

Account Status

Account Status Code

Message

Bank Account

IFSC

Name

Phone

412

UNABLE_TO_VALIDATE

INSUFFICIENT_BALANCE

Insufficient balance to process this request

50101329442375

HDFC0000001

Any name

Any phone number

422

UNABLE_TO_VALIDATE

INVALID_ACCOUNT

Please provide a valid bank account

Account number greater than 30 characters

Any IFSC

Any name

Any phone number

422

UNABLE_TO_VALIDATE

INVALID_IFSC

Please provide a valid IFSC

341234218090

YESB00000010 (IFSC > 11 characters)

Any name

Any phone number

424

UNABLE_TO_VALIDATE

SOURCE_BANK_DECLINED

Source bank declined

7766674831270

SBIN0000003

Any name

Any phone number

424

UNABLE_TO_VALIDATE

BENEFICIARY_BANK_OFFLINE

Beneficiary Bank Offline

7766668692253

INDB0000018

Any name

Any phone number

424

UNABLE_TO_VALIDATE

NPCI_UNAVAILABLE

NPCI Unavailable

7766668458130

INDB0000018

Any name

Any phone number

424

UNABLE_TO_VALIDATE

IMPS_MODE_FAIL

IMPS Mode fail

7766667521638

ICIC0000001

Any name

Any phone number

424

UNABLE_TO_VALIDATE

FAILED_AT_BANK

Failed at bank

7766671735852

SBIN0000004

Any name

Any phone number

520

UNABLE_TO_VALIDATE

VERIFICATION_FAILED

Verification attempt

7766667053392

ICIC0000001

Any name

Any phone number

422

UNABLE_TO_VALIDATE

INVALID_NAME

Please provide a valid Name

Any account number

Any IFSC

Name with special symbols

Any phone number

422

UNABLE_TO_VALIDATE

INVALID_PHONE

Please provide a valid Phone number

Any account number

Any IFSC

Any name

Phone with length greater than 12 characters.


📘

Name Match Feature

To manually check if the provided customer name and the name registered at the bank are the same, consumes a lot of time and effort. Cashfree Payments has introduced a new feature that will help you to verify if the names are the same and provide the result accordingly.

Two new parameters, nameMatchResult and nameMatchScore will be available in the response, which will help you make faster validations and process payments successfully. Click here to know more.

Contact your Account Manager or write to [email protected] to activate the name match score feature for your account.

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