API Specifications

POST

/api/v2/bank-accounts/validate

The Verification of Payee - Requester API enables a payer’s PSP (Payment Service Provider) to send real-time verification requests to another PSP..

Request

Authorization

JWT Bearer

Add the parameter

Authorization

to Headers

Example:

Authorization: ********************

Header Params

Body Params application/xmlRequired

Examples

Responses

🟢200

application/xml

Request successfully processed, with account validation details.

Headers

Body

🟠400

🟠401

Request Example

Shell

JavaScript

Java

Swift

cURL

IBAN Name RequestIBAN AnyBic RequestIBAN LEI Request

curl --location --request POST 'https://mock.apidog.com/m1/1198618-0-default/api/v2/bank-accounts/validate' \
--header 'Accept: application/xml' \
--header 'Authorization: Bearer <token>' \
--header 'Content-Type: application/xml' \
--data-raw '<?xml version="1.0" encoding="UTF-8"?>
    <Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.001.001.12">
        <CstmrCdtTrfInitn>
            <GrpHdr>
                <MsgId>123e4567-e89b-12d3-a456-426614174000</MsgId>
                <CreDtTm>2023-11-18T10:20:30.123Z</CreDtTm>
            </GrpHdr>
            <PmtInf>
                <Dbtr>
                    <Nm>EPC-IBAN</Nm>
                </Dbtr>
                <DbtrAgt>
                    <FinInstnId>
                        <BICFI>AGRIFRPP888</BICFI>
                    </FinInstnId>
                </DbtrAgt>
                <CdtTrfTxInf>
                    <CdtrAgt>
                        <FinInstnId>
                            <BICFI>IORTBGSFXXX</BICFI>
                        </FinInstnId>
                    </CdtrAgt>
                    <Cdtr>
                        <Nm>Léonie André</Nm>
                    </Cdtr>
                    <CdtrAcct>
                        <Id>
                            <IBAN>BG67IORT80942656782963</IBAN>
                        </Id>
                    </CdtrAcct>
                    <RmtInf>
                        <Ustrd>Payment</Ustrd>
                    </RmtInf>
                </CdtTrfTxInf>
            </PmtInf>
        </CstmrCdtTrfInitn>
    </Document>'

Response Example

200 - Match Response

 
<?xml version="1.0" encoding="UTF-8"?>
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.002.001.14">
  <CstmrPmtStsRpt>
    <GrpHdr>
      <MsgId>123e4567-e89b-12d3-a456-426614174000</MsgId>
      <CreDtTm>2025-06-06T13:45:04.624569372Z</CreDtTm>
    </GrpHdr>
    <TxInfAndSts>
      <StsId>200</StsId>
      <StsRsnInf>
        <Rsn>
          <Cd>MTCH</Cd>
          <Prtry>partyNameMatch</Prtry>
        </Rsn>
      </StsRsnInf>
      <SplmtryData>
        <Envlp>
          <ext:Info xmlns:ext="http://your.company.com/schema/ext">
            <ext:Iban>{IBAN}</ext:Iban>
            <ext:DomesticAccountNumber>{DomesticAccountNumber}</ext:DomesticAccountNumber>
            <ext:AccountNumberChecksum>{Valid|Not Valid}</ext:AccountNumberChecksum>
            <ext:AccountNumberStructure>{Valid|Not Valid}</ext:AccountNumberStructure>
            <ext:AccountNumberLength>{Valid|Not Valid}</ext:AccountNumberLength>
            <ext:SEPAMember>{Yes|No}</ext:SEPAMember>
            <ext:CreditTransfer>{Yes|No}</ext:CreditTransfer>
            <ext:InstantCreditTransfer>{Yes|No}</ext:InstantCreditTransfer>
            <ext:DirectDebit>{Yes|No}</ext:DirectDebit>
            <ext:BusinessToBusiness>{Yes|No}</ext:BusinessToBusiness>
            <ext:CardClearing>{Yes|No}</ext:CardClearing>
            <ext:Bic>{BIC}</ext:Bic>
            <ext:BankName>{BankName}</ext:BankName>
            <ext:Country>{Country}</ext:Country>
            <ext:Branch>{Branch}</ext:Branch>
            <ext:Address>{Address}</ext:Address>
            <ext:Phone>{Phone}</ext:Phone>
          </ext:Info>
        </Envlp>
      </SplmtryData>
    </TxInfAndSts>
  </CstmrPmtStsRpt>
</Document>

Requester – Payee Verification (XML)

Responder - Combined Lookup