You can claim free credits to verify your beneficiary details. You can also verify the provided beneficiary name is the same as the name registered at the bank with our name match score.

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We don't support Deutsche Bank as of now because the IMPS rails are not live.

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Fraud Alert
There have been cases of fraudulent activity where malicious users abuse merchants’ websites/apps by attempting penny-drop verification to the same bank account. We have implemented the necessary checks to prevent these activities in the future and block merchant accounts involved in suspicious activities. You will receive the following message if we detect any fraudulent activity:

Users attempt multiple bank account verification to the same bank account

"subCode": 200,
"accountStatus": "VALID",
"accountStatusCode": "ACCOUNT_IS_VALID",
"message": "High # transactions detected for Account Number '099878736870'"

Users use multiple virtual accounts linked to the same underlying account

"subCode": 422,
"accountStatus": "UNABLE_TO_VALIDATE",
"accountStatusCode": "INVALID_ACCOUNT",
"message": "Fraud activity detected for this account"

Users append leading zeros to bank account number

"subCode": 200,
"accountStatus": "VALID",
"accountStatusCode": "ACCOUNT_IS_VALID",
"message": "High # transactions detected for Account Number '099878736870'"

Users append leading zeros to multiple virtual accounts linked to the same underlying account

"subCode": 422,
"accountStatus": "UNABLE_TO_VALIDATE",
"accountStatusCode": "INVALID_ACCOUNT",
"message": "Fraud activity detected for this account"

Test Data

View the test data and use this information to trigger the validations. The test data are usable only in the test environments such as gamma and sandbox.

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 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
200	VALID	ACCOUNT_IS_VALID	Bank Account is valid but Name at Bank is unavailable

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
412	UNABLE_TO_VALIDATE	REJECTED	Rejected due to already on going concurrent request for same bankAccount and ifsc
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.

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Note:
In a few scenarios, the nameAtBank parameter in the Bank Account Verification API did not return the exact customer name registered with the Bank. We have now fixed this issue, and you will see the exact name registered with the bank.
In some cases, for valid bank accounts if the name at the bank is not available then you will a custom message Bank Account is valid but Name at Bank is unavailable.
Sample Response:
{
“refId”: “250948",
“nameAtBank”: “”,
“bankName”: “JANATA SAHAKARI BANK LIMITED”,
“utr”: “21451863XXXX”,
“city”: “TALEGAON DABHADE”,
“branch”: “TALEGAON DABHADE”,
“micr”: 0,
“nameMatchScore”: “100”,
“accountStatus”: “VALID”,
“accountStatusCode”: “ACCOUNT_IS_VALID”,
“message”: “Bank Account is valid but Name at Bank is unavailable”
}