Bank Account Verification PAN Advanced

Introduction

Bank Account Verification PAN Advanced is a Bank Account Verification solution that validates the linkage between a bank account and a PAN. It accepts key inputs such as bank account number, account holder’s name, IFSC code, and PAN and returns a response indicating whether the provided PAN is linked to the specified bank account.

API details

Endpoint

POST https://api-.signzy.app/api/v3/bankaccountverification/bav-pan-advanced

POST  https://api-preproduction.signzy.app/api/v3/bankaccountverification/bav-pan-advanced

Request headers

Name	Value	Required	Description
Content-Type	application/json	Mandatory	The type of content that the request body contains.
Authorization	XXXXXXXXXXXXXXX	Mandatory	An authentication token to authorize the request. Reach out to the Signzy support team to get one created.

Request body parameters

Parameter	Data Type	Description	Required
beneficiaryAccount	string	Bank account number	Mandatory
beneficiaryName	string	Acount Holder's name	Mandatory
beneficiaryIFSC	string	Bank IFSC	Mandatory
beneficiaryPAN	string	PAN of the account holder	Mandatory
nameFuzzy	string	Enable fuzzy name matching	Optional
nameMatchScore	string	Minimum name match score threshold	Optional

{
    "beneficiaryAccount": "1234567890123456",
    "beneficiaryName": "John Doe",
    "beneficiaryIFSC": "HDFC0001234",
    "beneficiaryPAN": "ABCDE1234F",
    "nameFuzzy": true,
    "nameMatchScore": 80
}

Code samples

package main

import (
  "fmt"
  "strings"
  "net/http"
  "io"
)

func main() {

  url := "https://api.signzy.app/api/v3/bankaccountverification/bav-pan-advanced"
  method := "POST"

  payload := strings.NewReader(`{
    "beneficiaryAccount": "9210100489xxx",
    "beneficiaryName": "John",
    "nameFuzzy": true,
    "beneficiaryIFSC": "UTIB000xxxx",
    "beneficiaryPAN": "GBxxxxxx"
}`)

  client := &http.Client {
  }
  req, err := http.NewRequest(method, url, payload)

  if err != nil {
    fmt.Println(err)
    return
  }
  req.Header.Add("Content-Type", "application/json")
  req.Header.Add("Authorization", "")

  res, err := client.Do(req)
  if err != nil {
    fmt.Println(err)
    return
  }
  defer res.Body.Close()

  body, err := io.ReadAll(res.Body)
  if err != nil {
    fmt.Println(err)
    return
  }
  fmt.Println(string(body))
}

Response body parameters

Parameter	Data Type	Description
result	Object	Contains the result of the API.
result.status	String	The status of the transaction
result.message	String	Contains message according to the status of the API
result.nameMatch	String	Contains the result of name match. The possible values are: yes, no
result.nameMatchScore	String	The match score of the beneficiary's name with the name associated with the bank account in the range 0 to 1
result.signzyReferenceId	String	Unique reference ID generated by Signzy for the request
result.auditTrail	String	Contains the Audit trail details.
result.auditTrail.nature	String	Type of identifier
result.auditTrail.value	String	The value of the audit trail. In this case, it is the Bank Reference Response Number (RRN) for the transaction.
result.auditTrail.timestamp	String	Timestamp
result.bankTransfer.message	String	The message from the bank for the request.
result.bankTransfer.bankRRN	String	The Bank Reference Response Number (RRN) for the transaction.
result.bankTransfer.beneName	String	The name of the beneficiary associated with the bank account.
result.bankTransfer.beneIFSC	String	IFSC code of the beneficiary's bank.
result.bankTransfer.benePAN	String	PAN number of the beneficiary.
result.bankTransfer.beneAccountType	String	Indicates the type of bank account. Possible values are: Savings, Current, etc.
result.bankTransfer.beneAccountNature	String	Specifies the ownership nature of the account. Possible values are: Single, Joint, etc.
esult.bankTransfer.beneAccountHolderType	String	Denotes the role of the account holder. Possible values are: Primary, Secondary, etc.

# Successful (Active)
{
   "result": {
       "status": "SUCCESS",
       "message": "Bank Account details verified successfully.",
       "nameMatch": "no",
       "nameMatchScore": 0,
       "signzyReferenceId": "*******************************",
       "auditTrail": {
           "nature": "BANK RRN",
           "value": "***********************",
           "timestamp": "2025-10-08T10:41:28.943Z"
       },
       "bankTransfer": {
           "message": "Bank Account details verified successfully.",
           "bankRRN": "***********************",
           "beneName": "Mr ******** **",
           "beneIFSC": "*****004251",
           "benePAN": "*******690Q",
           "beneAccountType": "SAVINGS",
           "beneAccountNature": "SINGLE",
           "beneAccountHolderType": "PRIMARY"
       }
   }
}

# Succesful (Inactive)
{
    "result": {
        "status": "FAILURE",
        "message": "Invalid PAN or KYC Error",
        "nameMatch": "not available",
        "nameMatchScore": "not available",
        "signzyReferenceId": "HtZzqz74UFPKz1W0rPrbkfiEzvaJXrmvr6ZminY6ilMs67eVVR46",
        "auditTrail": {
            "nature": "BANK RRN",
            "value": "",
            "timestamp": "2025-09-26T09:08:48.809Z"
        }
    }
}

Contact Us for Any Assistance

If you have any questions or need assistance, please reach out to our customer support team. You can contact us via email at [email protected]. We strive to provide prompt and reliable assistance, ensuring your queries are addressed effectively.

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