Bank Account Verification Lite

4 min

Introduction

This API allows you to perform bank account verification using the Bank Transfer Lite method. It provides a simple way to verify a beneficiary's bank account details using their mobile number, account number, name, and IFSC code. The API returns a response containing the verification status and additional details about the verification process.

Sample cURL

curl --request POST \
  --url https://signzy.tech/api/v2/patrons/..your-patron-id../bankaccountverifications \
  --header 'Accept: */*' \
  --header 'Accept-Language: en-US,en;q=0.8' \
  --header 'Authorization: <Access-Token>' \
  --header 'content-type: application/json' \
  --data '{"task":"bankTransferLite","essentials":{"beneficiaryMobile":"...beneficiaryMobile...","beneficiaryAccount":"...beneficiaryAccount...","beneficiaryName":"...beneficiaryName...","beneficiaryIFSC":"...beneficiaryIFSC..."}}'

Parameter	Description
task	The task to be performed, here it is bankTransferLite.
beneficiaryMobile	The mobile number of the beneficiary's bank account.
beneficiaryAccount	The account number of the beneficiary's bank account.
beneficiaryName	The name of the beneficiary's bank account holder.
beneficiaryIFSC	The IFSC code of the beneficiary's bank branch.

Sample API Response

{
    "task": "bankTransferLite",
    "essentials": {
      "beneficiaryMobile": ".....beneficiaryMobile.....",
      "beneficiaryAccount": "....beneficiaryAccount...",
      "beneficiaryName": "....beneficiaryName....",
      "beneficiaryIFSC": "....beneficiaryIFSC....",
      "remarks": "......remarks (Optional).....",
      "nameMatchScore": "......(0 to 1) (Optional (default=0.70)).....",
      "nameFuzzy" : "true/false",
      "email" : "...email ID (Optional)..."
          },
    "id": ".....id.....",
    "patronId": "...patronID....",
    "result": {
       "active": "yes/no",
       "reason":"success/ Raw Reason why IMPS Failed",
       "nameMatch": "yes/no/not available",
       "nameMatchScore":"..numeric../not available"
       "mobileMatch": "yes/no",
       "signzyReferenceId": "...signzyReferenceId.....",
       "auditTrail": {
           "nature": "BANK RRN",
           "value": "....value....",
           "timestamp": "...timestamp....."
       },
       "bankTransfer": {
         "response": "...response...",
         "bankRRN": "...bankRRN...",
         "beneName": "...beneName..",
         "beneMobile": "...beneMobile...",
         "beneIFSC": "...beneIFSC.."
       }
      }
    }

Parameter Name	Data Type	Description
task	string	The task performed by the API. In this case, it is "bankTransferLite".
essentials	object	An object containing essential details for bank account verification.
beneficiaryMobile	string	The mobile number of the beneficiary.
beneficiaryAccount	string	The account number of the beneficiary.
beneficiaryName	string	The name of the beneficiary.
beneficiaryIFSC	string	The IFSC code of the beneficiary bank.
remarks	string	(Optional) Any remarks for the transaction.
nameMatchScore	float	(Optional, default=0.70) The minimum score required for name matching.
nameFuzzy	boolean	Whether fuzzy matching should be used for name matching.
email	string	(Optional) The email ID of the user.
id	string	The ID of the verification request.
patronId	string	The ID of the patron making the request.
result	object	An object containing the result of the verification.
active	string	Whether the bank account is active or not.
reason	string	The reason for the result. If successful, it will be "success".
nameMatch	string	Whether the beneficiary name matched the name provided.
nameMatchScore	float	The score for the name match.
mobileMatch	string	Whether the beneficiary mobile number matched the mobile number provided.
signzyReferenceId	string	The unique ID assigned by Signzy for the verification request.
auditTrail	object	An object containing details of the audit trail.
nature	string	The nature of the audit trail (in this case, "BANK RRN").
value	string	The value of the audit trail.
timestamp	string	The timestamp of the audit trail.
bankTransfer	object	An object containing details of the bank transfer.
response	string	The response from the bank for the transaction.
bankRRN	string	The reference number for the transaction.
beneName	string	The name of the beneficiary.
beneMobile	string	The mobile number of the beneficiary.
beneIFSC	string	The IFSC code of the beneficiary bank.