Verify Bank Account Numbers

Learn how to use Fincra to verify your customer's identity.

Account Number Verification

Merchants can use our account verification API to verify the authenticity of a customer’s account number before paying money to them. This is to ensure that your payment is routed to the right beneficiary. To learn more about the type of accounts we can verify, please see the table below:

Account Types

We are able to verify IBAN as well as Nigerian bank accounts (NUBAN). The API values (types) for these accounts are iban and nuban, as shown in the code implementations below.

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Note

• Please note that when validating an IBAN(iban) or NUBAN(nuban) there should be no spaces between the values, as this would return an error response.

NGN bank account numbers(Nuban)
To verify an account number send the account number, type and bank code to the verify account endpoint, and the endpoint will return the customer's account information.

{
   "accountNumber":"000",
   "bankCode":"00",
   "type": "nuban" // This is optional 
}

{
  "success": true,
  "data": {
    "number": "3089570843",
    "name": "ARENE EFE MOSHOOD"
  }
}

International bank account numbers(Iban)
To verify an IBAN send the iban and type to the verify account endpoint, and the endpoint will return the customer's account information.

{
   "iban":"GB88CLJU04130734505781",
   "type":"iban"
}

{
    "success": true,
    "message": "Account resolve successful",
    "data": {
        "iban": "GB88CLJU0413111111111",
        "accountNumber": "11111111",
        "bankName": "BARCLAYS",
        "bankCode": "CLJU",
        "bic": "CLJUFV21XXX",
        "branchName": "BARCLAYS LTD",
        "branchCode": "041311",
        "country": "United Kingdom",
        "countryIso": "GB",
        "address": "16 ... Street ",
        "city": "London",
        "state": null,
        "zip": null
    }
}

Account Verification Error

Account could not be resolved. Please check your selection and try again

This error happens when our system is unable to effectively check the validity of a customer's bank account.