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Banking & Finance Verification APIs

Bank Account Verification API

Confirm a bank account is valid via penny drop and optionally match the account-holder name.

What it verifies

Confirms that a bank account exists and can receive a payment, using a penny-drop check. Optionally compares a name you send with the name held at the bank. Leading zeros on the account number are kept exactly as sent.

Who uses it

  • Lenders and NBFCs verifying disbursement accounts
  • Payroll and payout platforms validating beneficiary accounts
  • Marketplaces confirming seller settlement accounts

Request and response

POSThttps://verification.techinnoverz.com/api/v1/banking-finance/bank-account

Verify a bank account by IFSC and account number, and optionally match a name. This call is billed when it returns a successful result.

Request body

accountNumberstringrequired

Bank account number, 6 to 18 digits. Keep any leading zeros exactly as on the passbook.

ifscstringrequired

11-character IFSC of the account.

namestringoptional

Optional. Account-holder name to compare with the name at the bank. Letters, digits, spaces and & . , ' ( ) / - only, 2 to 100 characters. When you send it, the response includes nameMatch and nameMatchScore.

consentstringrequired

Must be "Y". Records that the end customer consented to this check; logged against the transaction.

referenceIdstringoptional

Your own id, echoed back in the response for reconciliation.

Example requests

curl -X POST "https://verification.techinnoverz.com/api/v1/banking-finance/bank-account" \
  -H "x-api-key: YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
  "accountNumber": "36666661234",
  "ifsc": "SBIN0003375",
  "name": "Asha Sample",
  "consent": "Y",
  "referenceId": "app_20915"
}'

200 response — status "found"

Response
{
  "status": "found",
  "data": {
    "accountNumber": "36666661234",
    "ifsc": "SBIN0003375",
    "nameAtBank": "Asha Sample",
    "nameMatch": true,
    "nameMatchScore": 90,
    "rrn": "414515746177",
    "paymentMode": "STANDARD",
    "transactionId": "ca3059a5f8374ce5bc77c91ceb626489",
    "bank": {
      "bankName": "STATE BANK OF INDIA",
      "bankBranch": "CHURCH ROAD",
      "bankAddress": "ST PAUL'S COLLEGE, CHURCH ROAD, MUMBAI, MAHARASHTRA"
    }
  },
  "source": "provider",
  "dataAsOf": "2026-11-03T09:30:00.000Z",
  "referenceId": "app_20915",
  "billing": {
    "charged": true,
    "walletBalance": "12450.00"
  },
  "txnId": "txn_8c31ba90",
  "livemode": true
}

Fields returned in data

accountNumberstringoptional

The account number that was verified.

ifscstringoptional

The IFSC that was verified.

nameAtBankstringoptional

Account-holder name as returned by the bank. null when not held.

nameMatchbooleanoptional

Whether the name you sent meets the bank's matching threshold (70). null when you sent no name.

nameMatchScoreintegeroptional

How closely the name you sent matches, from 0 to 100. null when you sent no name.

rrnstringoptional

Bank retrieval reference number for the penny drop. null when not held.

paymentModestringoptional

Verification mode returned by the source. Currently STANDARD.

transactionIdstringoptional

Provider transaction id for this check.

bankobjectoptional

IFSC directory details when enabled on the Digitap account: bankName, bankBranch, bankAddress. null when not held.

Error codes

Errors return a non-200 HTTP status and the same envelope, so your retry logic and your reconciliation agree.

400 INVALID_INPUT

A field is missing or malformed. The details list each problem. Not charged.

401 INVALID_KEY

The key is missing, revoked, or not a key we issued.

402 WALLET_EMPTY

Your available balance is below the price of this call. Top up and retry. Not charged.

403 PRODUCTION_NOT_ENABLED

A live key was used before live access was enabled for your account. Use a test key, or ask us to enable live access.

403 TEST_NOT_ENABLED

A test key was used before test (UAT) access was enabled for your account. Ask us to enable it.

403 API_NOT_ENABLED

This check is switched off for your account, or is not available for live use yet.

403 IP_NOT_ALLOWED

The key is restricted to certain IP addresses and this call came from another.

403 ACCOUNT_SUSPENDED

The account is suspended. Contact support.

404 NO_DATA

A valid request, but no record was found. Not charged.

404 ROUTE_NOT_FOUND

There is no endpoint at that path.

405 METHOD_NOT_ALLOWED

Use the method shown in the Allow header.

409 IDEMPOTENCY_IN_PROGRESS

A call with the same Idempotency-Key is still being processed. Retry after the delay in Retry-After.

413 PAYLOAD_TOO_LARGE

The request body is too large. Not charged.

415 UNSUPPORTED_MEDIA_TYPE

Send the request with Content-Type: application/json.

422 IDEMPOTENCY_KEY_REUSED

This Idempotency-Key was already used with a different request body. Use a new key for a new request.

429 RATE_LIMITED

Too many requests or too many at once. Wait for the Retry-After delay.

500 INTERNAL_ERROR

Something went wrong on our side. Not charged. Quote the txnId if you contact support.

502 SOURCE_ERROR

The data source returned an error. Not charged.

503 SOURCE_DOWN

The data source is unavailable right now. Not charged. Retry after the delay in Retry-After.

504 SOURCE_TIMEOUT

The data source did not answer in time. Not charged.

Error response
{
  "status": "error",
  "error": {
    "code": "NO_DATA",
    "message": "No record found for the given input. Not charged."
  },
  "billing": {
    "charged": false
  },
  "txnId": "txn_8c31ba91",
  "livemode": true
}

Billing

You are charged only on successful hits. Failed, no-data and error calls are free.

Every response carries billing.charged and your remaining billing.walletBalance. Per-hit pricing is set on your rate card; book a demo to get yours.

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