Bank Verification

curl --request POST \
  --url https://api.example.com/api/v1/bank-verification-pennyless \
  --header 'Content-Type: application/json' \
  --data '
{
  "accountNumber": "<string>",
  "ifscNumber": "<string>",
  "async": true
}
'

import requests

url = "https://api.example.com/api/v1/bank-verification-pennyless"

payload = {
    "accountNumber": "<string>",
    "ifscNumber": "<string>",
    "async": True
}
headers = {"Content-Type": "application/json"}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {'Content-Type': 'application/json'},
  body: JSON.stringify({accountNumber: '<string>', ifscNumber: '<string>', async: true})
};

fetch('https://api.example.com/api/v1/bank-verification-pennyless', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://api.example.com/api/v1/bank-verification-pennyless",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    'accountNumber' => '<string>',
    'ifscNumber' => '<string>',
    'async' => true
  ]),
  CURLOPT_HTTPHEADER => [
    "Content-Type: application/json"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

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

func main() {

	url := "https://api.example.com/api/v1/bank-verification-pennyless"

	payload := strings.NewReader("{\n  \"accountNumber\": \"<string>\",\n  \"ifscNumber\": \"<string>\",\n  \"async\": true\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://api.example.com/api/v1/bank-verification-pennyless")
  .header("Content-Type", "application/json")
  .body("{\n  \"accountNumber\": \"<string>\",\n  \"ifscNumber\": \"<string>\",\n  \"async\": true\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://api.example.com/api/v1/bank-verification-pennyless")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["Content-Type"] = 'application/json'
request.body = "{\n  \"accountNumber\": \"<string>\",\n  \"ifscNumber\": \"<string>\",\n  \"async\": true\n}"

response = http.request(request)
puts response.read_body

POST

api

bank-verification-pennyless

Bank Verification

curl --request POST \
  --url https://api.example.com/api/v1/bank-verification-pennyless \
  --header 'Content-Type: application/json' \
  --data '
{
  "accountNumber": "<string>",
  "ifscNumber": "<string>",
  "async": true
}
'

import requests

url = "https://api.example.com/api/v1/bank-verification-pennyless"

payload = {
    "accountNumber": "<string>",
    "ifscNumber": "<string>",
    "async": True
}
headers = {"Content-Type": "application/json"}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {'Content-Type': 'application/json'},
  body: JSON.stringify({accountNumber: '<string>', ifscNumber: '<string>', async: true})
};

fetch('https://api.example.com/api/v1/bank-verification-pennyless', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://api.example.com/api/v1/bank-verification-pennyless",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    'accountNumber' => '<string>',
    'ifscNumber' => '<string>',
    'async' => true
  ]),
  CURLOPT_HTTPHEADER => [
    "Content-Type: application/json"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

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

func main() {

	url := "https://api.example.com/api/v1/bank-verification-pennyless"

	payload := strings.NewReader("{\n  \"accountNumber\": \"<string>\",\n  \"ifscNumber\": \"<string>\",\n  \"async\": true\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://api.example.com/api/v1/bank-verification-pennyless")
  .header("Content-Type", "application/json")
  .body("{\n  \"accountNumber\": \"<string>\",\n  \"ifscNumber\": \"<string>\",\n  \"async\": true\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://api.example.com/api/v1/bank-verification-pennyless")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["Content-Type"] = 'application/json'
request.body = "{\n  \"accountNumber\": \"<string>\",\n  \"ifscNumber\": \"<string>\",\n  \"async\": true\n}"

response = http.request(request)
puts response.read_body

Bank Account Verification

Verify bank account details instantly using account number and IFSC code. Returns account holder name, bank details, and account status.

Overview

This endpoint helps businesses:

Verify bank account ownership
Validate IFSC codes
Get account holder name for verification
Confirm account status (Active/Inactive)

Request

accountNumber

string

required

Bank account number (9-18 digits)

ifscNumber

string

required

IFSC code of the bank branch (format: XXXX0XXXXXX)

async

boolean

default:"true"

If true (default), request is queued and result delivered via webhook. If false, wait for result synchronously (up to 30 seconds).

Headers

Header	Value	Required
`X-API-Key`	Your API key	Yes
`Content-Type`	`application/json`	Yes

Example Request (Async Mode - Default)

curl -X POST "https://api.txncheck.com/api/v1/bank-verification-pennyless" \
  -H "X-API-Key: txncheck_your_api_key_here" \
  -H "Content-Type: application/json" \
  -d '{
    "accountNumber": "920020056012360",
    "ifscNumber": "UTIB0000519"
  }'

import requests

response = requests.post(
    "https://api.txncheck.com/api/v1/bank-verification-pennyless",
    headers={
        "X-API-Key": "txncheck_your_api_key_here",
        "Content-Type": "application/json"
    },
    json={
        "accountNumber": "920020056012360",
        "ifscNumber": "UTIB0000519"
    }
)
print(response.json())

const axios = require('axios');

const response = await axios.post(
  'https://api.txncheck.com/api/v1/bank-verification-pennyless',
  {
    accountNumber: '920020056012360',
    ifscNumber: 'UTIB0000519'
  },
  {
    headers: {
      'X-API-Key': 'txncheck_your_api_key_here',
      'Content-Type': 'application/json'
    }
  }
);
console.log(response.data);

<?php
$ch = curl_init("https://api.txncheck.com/api/v1/bank-verification-pennyless");
curl_setopt($ch, CURLOPT_POST, true);
curl_setopt($ch, CURLOPT_RETURNTRANSFER, true);
curl_setopt($ch, CURLOPT_HTTPHEADER, [
    "X-API-Key: txncheck_your_api_key_here",
    "Content-Type: application/json"
]);
curl_setopt($ch, CURLOPT_POSTFIELDS, json_encode([
    "accountNumber" => "920020056012360",
    "ifscNumber" => "UTIB0000519"
]));
$response = curl_exec($ch);
curl_close($ch);
echo $response;

payload := map[string]string{
    "accountNumber": "920020056012360",
    "ifscNumber": "UTIB0000519",
}
body, _ := json.Marshal(payload)

req, _ := http.NewRequest("POST", "https://api.txncheck.com/api/v1/bank-verification-pennyless", bytes.NewBuffer(body))
req.Header.Set("X-API-Key", "txncheck_your_api_key_here")
req.Header.Set("Content-Type", "application/json")

client := &http.Client{}
resp, _ := client.Do(req)

Example Request (Sync Mode)

curl -X POST "https://api.txncheck.com/api/v1/bank-verification-pennyless" \
  -H "X-API-Key: txncheck_your_api_key_here" \
  -H "Content-Type: application/json" \
  -d '{
    "accountNumber": "920020056012360",
    "ifscNumber": "UTIB0000519",
    "async": false
  }'

import requests

response = requests.post(
    "https://api.txncheck.com/api/v1/bank-verification-pennyless",
    headers={
        "X-API-Key": "txncheck_your_api_key_here",
        "Content-Type": "application/json"
    },
    json={
        "accountNumber": "920020056012360",
        "ifscNumber": "UTIB0000519",
        "async": False
    }
)
print(response.json())

const axios = require('axios');

const response = await axios.post(
  'https://api.txncheck.com/api/v1/bank-verification-pennyless',
  {
    accountNumber: '920020056012360',
    ifscNumber: 'UTIB0000519',
    async: false
  },
  {
    headers: {
      'X-API-Key': 'txncheck_your_api_key_here',
      'Content-Type': 'application/json'
    }
  }
);
console.log(response.data);

Response

Async Mode (202)
Sync Mode (200)

202 Accepted

Request accepted and queued for processing. Results will be delivered via webhook.

{
  "statusCode": 202,
  "message": "Request accepted and queued for processing",
  "requestId": "550e8400-e29b-41d4-a716-446655440000",
  "status": "QUEUED"
}

Result Data (via webhook or polling)

When the request completes, you’ll receive a webhook or can poll the status endpoint:

{
  "requestId": "550e8400-e29b-41d4-a716-446655440000",
  "method": "bank-verification-pennyless",
  "status": "COMPLETED",
  "result": {
    "bankVerification": {
      "accountNumber": "920020056012360",
      "ifsc": "UTIB0000519",
      "nameAtBank": "Alex Kumar",
      "bankName": "AXIS BANK",
      "branchName": "Mumbai Main Branch",
      "accountType": "Savings",
      "accountStatus": "Active",
      "verifiedOn": "2024-01-20T10:30:00Z"
    }
  },
  "webhookStatus": "SENT",
  "createdAt": "2025-01-11T10:30:00.000Z",
  "completedAt": "2025-01-11T10:30:02.000Z"
}

200 OK

Request completed synchronously. Result is returned in the response body.

{
  "statusCode": 200,
  "requestId": "550e8400-e29b-41d4-a716-446655440000",
  "method": "bank-verification-pennyless",
  "status": "COMPLETED",
  "result": {
    "bankVerification": {
      "accountNumber": "920020056012360",
      "ifsc": "UTIB0000519",
      "nameAtBank": "Alex Kumar",
      "bankName": "AXIS BANK",
      "branchName": "Mumbai Main Branch",
      "accountType": "Savings",
      "accountStatus": "Active",
      "verifiedOn": "2024-01-20T10:30:00Z"
    }
  },
  "createdAt": "2025-01-11T10:30:00.000Z",
  "completedAt": "2025-01-11T10:30:02.000Z"
}

Sync mode has a 30-second timeout. If processing takes longer, you’ll receive a 408 Request Timeout error. Use async mode for potentially slow requests.

Result Fields

Field	Type	Description
`accountNumber`	string	The verified bank account number
`ifsc`	string	IFSC code of the bank branch
`nameAtBank`	string	Account holder name as registered with the bank
`bankName`	string	Name of the bank
`branchName`	string	Name of the bank branch
`accountType`	string	Type of account (Savings, Current, etc.)
`accountStatus`	string	Account status (Active, Inactive, etc.)
`verifiedOn`	string	ISO 8601 timestamp of verification

Error Responses

400 Bad Request

Invalid account number or IFSC format.

{
  "statusCode": 400,
  "message": ["Account number must be 9-18 digits", "IFSC must be in format XXXX0XXXXXX"],
  "error": "Bad Request"
}

401 Unauthorized

Invalid or missing API key.

{
  "statusCode": 401,
  "message": "Invalid API key",
  "error": "Unauthorized"
}

402 Payment Required

Insufficient account balance.

{
  "statusCode": 402,
  "message": "Insufficient wallet balance",
  "error": "Payment Required"
}

403 Forbidden

Method not enabled for your account.

{
  "statusCode": 403,
  "message": "Access to method 'bank-verification-pennyless' is not allowed",
  "error": "Forbidden"
}

404 Not Found

Bank account not found or invalid.

{
  "statusCode": 404,
  "message": "Bank account not found or invalid",
  "error": "Not Found"
}

408 Request Timeout (Sync Mode Only)

Request processing timed out. Only occurs with async: false.

{
  "statusCode": 408,
  "message": "Request processing timed out after 30 seconds. Use async mode or check status later with request ID: 550e8400-e29b-41d4-a716-446655440000",
  "error": "Request Timeout"
}

429 Too Many Requests

Rate limit exceeded.

{
  "statusCode": 429,
  "message": "Too Many Requests",
  "error": "Too Many Requests"
}

Use Cases

Vendor Onboarding

Verify vendor bank accounts during registration to ensure payouts reach the correct recipients.

Loan Disbursement

Validate borrower bank accounts before disbursing loans to prevent failed transactions.

Refund Processing

Verify customer bank details before processing refunds to ensure successful credit.

Salary Payments

Validate employee bank accounts during HR onboarding for seamless salary disbursements.

API Reference Overview KYC by Mobile

Getting Started

Guides

SDKs

Use Cases

Security

API Reference

Reference

Bank Verification

Bank Account Verification

Overview

Request

Headers

Example Request (Async Mode - Default)

Example Request (Sync Mode)

Response

202 Accepted

Result Data (via webhook or polling)

200 OK

Result Fields

Error Responses

400 Bad Request

401 Unauthorized

402 Payment Required

403 Forbidden

404 Not Found

408 Request Timeout (Sync Mode Only)

429 Too Many Requests

Use Cases

​Bank Account Verification

​Overview

​Request

​Headers

​Example Request (Async Mode - Default)

​Example Request (Sync Mode)

​Response

​202 Accepted

​Result Data (via webhook or polling)

​200 OK

​Result Fields

​Error Responses

​400 Bad Request

​401 Unauthorized

​402 Payment Required

​403 Forbidden

​404 Not Found

​408 Request Timeout (Sync Mode Only)

​429 Too Many Requests

​Use Cases

Bank Account Verification

Overview

Request

Headers

Example Request (Async Mode - Default)

Example Request (Sync Mode)

Response

202 Accepted

Result Data (via webhook or polling)

200 OK

Result Fields

Error Responses

400 Bad Request

401 Unauthorized

402 Payment Required

403 Forbidden

404 Not Found

408 Request Timeout (Sync Mode Only)

429 Too Many Requests

Use Cases