Bank Verification Sync

The API returns a response in two cases:

The bank account or IFSC or both are invalid.
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.