/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
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"
}