Bank Account Verification

post

https://api.zwitch.io/v1/verifications/bank-account

Use this API to verify the ownership and validity of a bank account.

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Bank Account Verification Uses IMPS
While verifying a bank account, we try to deposit money to the account via IMPS. The API response contains status: success even if the account number provided is not linked to the IFSC provided, but is linked to a different IFSC in the same bank.
For example, Account number 12345678901 is linked to IFSC HDFC0000123. The Verify Bank Account API response contains status: success even if you send IFSC HDFC0000987 while verifying the account.

Body Params

bank_account_number

string

required

The bank account number you want to verify.

Example: 56733281905

bank_ifsc_code

string

required

IFSC of the bank you want to verify.

Example: HDFC0000123

force_penny_drop

boolean

Defaults to false

Use this parameter only when verifying a bank account.

Possible values:
- true: The penny drop is done even if penny drop verification was done before.
- false (default): Penny drop is done only if penny drop verification was not done before.

force_penny_drop_amount

float

Use this parameter only when verifying a bank account.

The penny drop amount you want to transfer to the account. The force_penny_drop_amount must be between 1 and 2

Example: 1

merchant_reference_id

string

required

Unique identifier entered when creating the verification request.

Only alphabets and numbers are allowed.
Minimum: 7 characters.
Maximum: 40 characters.

Example: 1409614085

Responses

🚧Bank Account Verification Uses IMPS

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Bank Account Verification Uses IMPS