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Verify Bank Account Number

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

Account Types

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:

TypeAPI ValueAvailabilityDescription
Bank Accountbank_accountNigeria, GhanaUsed to verify and return the names attached to bank accounts.
Mobile Moneymobile_moneyGhanaUsed to verify and return the names attached to mobile money wallets
IBANibanEuropean Union, Africa, Asia, North and South America, Oceania, and the United KingdomInternational Bank Account Number
NUBANnubanNigeriaNigeria Uniform Bank Account Number

Implementation

To verify an account number, mobile money wallet, or IBAN, you would need to send the required parameters to the verify account endpoint, and the endpoint will return the customer's account information.

Endpoint:

{{base_url}}/core/accounts/resolve

curl --location 'https://api.fincra.com/core/accounts/resolve' \
--header 'accept: application/json' \
--header 'api-key: <Your API secret key>' \
--header 'Content-Type: application/json' \

⚠️

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.

Below are the payload structures for each account type. It denotes the fields to be sent to the verify account endpoint

Bank Account Number Verification

{
    "accountNumber":"0000000000",
    "bankCode":"044",
    "currency": "NGN",
    "type": "bank_account"
}

{
    "accountNumber": "0000000000",
    "bankSwiftCode": "ABNGGHAC",
    "currency": "GHS",
    "type": "bank_account"
}

If the API call is successful, Fincra returns the following response:

{
    "success": true,
    "message": "Account resolve successful",
    "data": {
        "accountNumber": "0000000000",
        "accountName": "John Doe",
        "bankCode": "044"
    }
}

{
    "success": true,
    "message": "Account resolve successful",
    "data": {
        "accountNumber": "0000000000",
        "accountName": "John Doe",
        "bankSwiftCode": "044"
    }
}

Mobile Money Wallet Verification

{
    "accountNumber": "23300000000",
    "mobileMoneyCode": "MTN",
    "currency": "GHS",
    "type": "mobile_money"
}

If the API call is successful, Fincra returns the following response:

{
    "success": true,
    "message": "Account resolve successful",
    "data": {
        "accountName": "John Doe",
        "accountNumber": "23300000000",
        "bankCode": "MTN"
    }
}

International Bank Account Number (IBAN) Verification

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

If the API call is successful, Fincra returns the following response:

{
    "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.

Updated 8 days ago