/verify/indian_bank

1.API Specification
2.Request Params
3.Response Params
4.Error Codes
5.Sample

1.API Specification

This API is used to verify Indian bank account. This service will send a randomly generated amount in customer's bank account between INR 1.00 and INR 1.25 which can be verified by asking the customer what amount he/she has received. this conforms that the customer has access to the account for which the details have been submitted. For a basic version of this API, please see: /verify/indian_bank_lite

Request Method

POST

Request URL

https://cloudapi.accuauth.in/verify/indian_bank

Debugging Tool

Debugging Tool

2.Request Params

2.1 Request Header

Parameter Type Required Description
X-DF-API-ID string Yes For API credentials,Please visit API Request
X-DF-API-SECRET string Yes For API credentials,Please visit API Request

2.2 Request Body

Required Fields Type Description
required account string The account number
required ifsc string The bank's IFSC code
required consent string This must be Y

3.Response Params

Fields Type Description
request_id string Unique id of each request
status string Response status, OK for success request, Error Codes for failed request
result_code integer Result code, see Result Codes for detail
result_message string Result message
result object The verification result

3.1 Elements in result

Fields Type Description
BeneName string The beneficiary name
BankRef string The bank reference number.
Remark string The remark
Status string The status of verification,It will only return VERIFIED
amount float Amount transfered to customer's bank account

3.2 Result Codes

Value Description Billable
2000 Account details successfully verified. Yes
2001 Transaction Successful but no name returned from the bank Yes
3001 Account blocked/Frozen No
3002 Invalid Account Number No
3003 Invalid Beneficiary IFSCCODE or NBIN No
3004 Invalid Bank IFSC/NBIN not registered with ICICI No
4001 NPCI/Issuing bank is not connected or down No
4002 ICICI CDCI is not connected or down No
4003 Rejected/Failed at beneficiary bank No

Notice: According to our experience, if result_code returns a value other than 2000 and 2001, please retry at most 3 times every 10 seconds


Response Syntax
  • Valid bank account:
{
  "request_id": "TID8bf47ab6eda64476973cc5f5b6ebf57e",
  "status": "OK",
  "result": {
    "Remark": "Transaction Successful",
    "BeneName": "XXXX Bo",
    "amount": 1.17,
    "BankRef": "930410XXXXXX",
    "Status": "VERIFIED"
  },
  "result_code": 2000,
  "result_message": "Account details successfully verified."
}
  • Valid bank account but no name returned
{
   "status":"OK",
   "result":{
      "Remark":"Name Not Returned",
      "BeneName":"",
      "amount":1.07,
      "BankRef":"010620XXXXXX",
      "Status":"VERIFIED"
   },
   "result_code":2001,
   "result_message":"Transaction Successful but no name returned from the bank",
   "request_id":"TID7345b46a924749a1802db1f65315d66c"
}
  • Invalid bank account:
{
  "status": "VERIFY_FAILED",
  "reason": "Account details could not be verified."
  "result_code":3001,
  "result_message":"Account blocked/Frozen",
  "request_id": "TID8bf47ab6eda64476973cc5f5b6ebf57e"
}

4.Error Codes

Common error codes of this API:

Http Status Code Status Field Description
400 INVALID_ARGUMENT Request parameter is invalid
400 VERIFY_FAILED Cannot verify an invalid bank account
400 QUERY_FAILED Query failed, Max Retries exceeded: One bank account can request 3 times only within rolling span of 24 hours
400 ABNORMAL_BEHAVIOURS_DETECTED Request with same parameters repeated more than amount of times
401 UNAUTHORIZED Unauthorized or access is denied
401 KEY_EXPIRED Your API ID has expired
403 NO_PERMISSION You are not authorized to use this API
403 OUT_OF_QUOTA API calls quota exceeded
403 RATE_LIMIT_EXCEEDED API request frequency exceeds the limit
404 NOT_FOUND Requested API cannot be found
500 INTERNAL_ERROR Internal server error
512 SOURCE_SERVICE_UNAVAILABLE Source service is unavailable
513 SOURCE_SERVICE_TIMEOUT Source service is timeout

Comment: Please see the reason field for details when the above 40X / 51X error occurred

Response Syntax
{
  "status": "INVALID_ARGUMENT",
  "reason": "argument 'account': not found",
  "request_id": "TID8bf47ab6eda64476973cc5f5b6ebf57e"
}

5.Sample

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