/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, OKfor 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 | StatusField | 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"
}