​
Validate IBAN

IBANs follow a specific algorithm to ensure that the chance of an error is minimized. You can query it individually or with other inputs POST /payments/validations
Request
{
  "creditorAccount": {
    "id": {
      "value": "LT601010012345678901",
      "type": "IBAN"
    }
  }
}
Response
{
  "status": "OK",
  "alerts": []
}

​
Validate IBAN and BIC

You might want to check that the IBAN (beneficiary’s account) is from the right BIC (bank). It’s helpful when you ask for both fields in the UI.
POST /payments/validations
Request
{
  "creditorAgent": {
    "bic": "BARCGB22"
  },
  "creditorAccount": {
    "id": {
      "value": "GB45CITI18502612467878",
      "type": "IBAN"
    }
  }
}
Response
{
  "status": "ALERT",
  "alerts": [
    {
      "code": "CREDITOR_BIC_IBAN_INCONSISTENCY"
    }
  ]
}

​
Validate bank identifier

When sending local transfers, you might want to ensure that the customer input for the bank identifier (BIC, sort code, ABA routing number,
clearingnummer…) is correct. You need to clarify the country of that local bank identifier, so we know what you’re dealing with. POST /payments/validations
Request
{
  "country": "GB",
  "creditorAgent": {
    "clearingSystemMemberId": {
      "memberId": "040075"
    }
  }
}
Response
{
  "status": "OK",
  "alerts": []
}

​
Validate account number

Some account numbers can be validated through specific algorithms. POST /payments/validations
Request
{
  "country": "GB",
  "creditorAgent": {
    "clearingSystemMemberId": {
      "memberId": "040075"
    }
  },
  "creditorAccount": {
    "id": {
      "value": "49976223",
      "type": "ACCOUNT_NUMBER"
    }
  }
}
Response
{
  "status": "ALERT",
  "alerts": [
    {
      "code": "CREDITOR_BANK_IDENTIFIER_ACCOUNT_NUMBER_INCONSISTENCY"
    }
  ]
}

​
Differences in corridor requirements

When working with different providers in various corridors, there can be discrepancies in how they handle inputs. The most common variation occurs when there are two identifiers for the bank—such as a bank code and a branch code. Some providers expect separate fields for each identifier, while others require the two to be combined into a single string. Our API is designed to accommodate these differences and aims to support the well-known formatting patterns used by different providers.
CountryPossible UI fieldsSupported patterns
BrazilBank code (AAA), branch code (BBBB)- Concatenated: clearingSystemMemberId: AAABBBB
- Separated: clearingSystemMemberId: AAA, branchId: BBBB
CanadaInstitution number (AAA), transit number (BBBBB)- Concatenated: clearingSystemMemberId: AAABBBBB
- Separated: clearingSystemMemberId: AAA, branchId: BBBBB
JapanBank code (AAAA), branch code (BBB)- Concatenated: clearingSystemMemberId: AAAABBB
- Separated: clearingSystemMemberId: AAAA, branchId: BBB

​
Validate chain of intermediaries

When processing payments that involve an intermediary bank, you might want to ensure that the customer input for the intermediary BICs is correct and appropriate for the creditor agent and currency. By validating this information, we help confirm that the intermediary bank is suitable for the transaction, preventing potential routing errors. POST /payments/validations
Request
{
  "intermediaryAgent1": {
    "bic": "CHASGB2LXXX"
  },
  "creditorAgent": {
    "bic": "REVOGB2LXXX"
  },
  "currency": "USD"
}
Response
{
  "status": "OK",
  "alerts": []
}

​
Validate settlement system

You can validate that a bank identifier supports the specified settlement system. Different banks may support different settlement systems, and validating this compatibility helps prevent payment failures caused by routing through unsupported settlement methods. POST /payments/validations
Request
{
  "country": "US",
  "creditorAgent": {
    "clearingSystemMemberId": {
      "memberId": "011001726"
    }
  },
  "settlementInformation": {
    "settlementSystem": "US_FEDWIRE"
  }
}
Response
{
  "status": "ALERT",
  "alerts": [
    {
      "code": "CREDITOR_BANK_IDENTIFIER_SCHEME_UNSUPPORTED"
    }
  ]
}

​
Table with the alert codes

Here’s the list of the alerts with explanations, which you can use in UI localization. In some cases, there can be more than one alert code in our response.
CodeExplanationExample
CREDITOR_IBAN_INVALID_FORMATThe IBAN doesn’t follow the correct format or structure.GT01
CREDITOR_IBAN_INVALID_COUNTRY_CODEThe IBAN country code is not a valid ISO 3166-1 alpha-2 code.XY02
CREDITOR_IBAN_COUNTRY_NOT_SUPPORTEDThe entered country does not support IBAN standards.US03
CREDITOR_IBAN_INVALID_BBAN_STRUCTUREThe IBAN’s BBAN has an incorrect length or contains invalid characters.GB01DEEL999LETSGO
CREDITOR_IBAN_INCORRECT_CHECK_DIGITSThe IBAN is incorrect due to check digits.LT043250045821439861
CREDITOR_IBAN_COUNTRY_INCONSISTENCYThe IBAN does not match the selected country.GB85REVO04007549976222 for US
CREDITOR_BIC_INVALID_FORMATThe BIC does not match the correct format.BOFAUS
CREDITOR_BIC_INVALID_COUNTRY_CODEThe BIC’s country code is not a valid ISO 3166-1 alpha-2 code.BOFAXX33
CREDITOR_BIC_DOES_NOT_EXISTThe BIC cannot be found in official bank listings — it might be outdated or incorrect.DEELUS99
CREDITOR_BIC_IBAN_INCONSISTENCYThe IBAN and BIC entered are not consistent. Another BIC must be used.BARCGB2L for GB85REVO04007549976222
CREDITOR_BIC_SCHEME_UNSUPPORTEDThe BIC does not support the required payment scheme for the transfer.REVOGB2L for GB85REVO04007549976222 (should be REVOGB21, as SEPA is preferred to any other payment scheme)
CREDITOR_BIC_NO_SSI_FOR_CURRENCYThe BIC does not have standing settlement instructions in the selected currency.KRW to LOYDGB2L
CREDITOR_BIC_COUNTRY_INCONSISTENCYThe BIC does not match the selected country.NDEASESSXXX for CH
CREDITOR_BIC_COMPLIANCE_HITThe BIC is restricted for compliance reasons.HAVIGB2LXXX
CREDITOR_BANK_IDENTIFIER_INVALID_FORMATThe bank identifier doesn’t follow the correct format for this country.0400755 for GB
CREDITOR_BANK_IDENTIFIER_DOES_NOT_EXISTThe local bank identifier entered does not seem to be present in published bank lists. It could be wrong, deprecated, or has yet to appear.040123 for GB
CREDITOR_BRANCH_IDENTIFIER_INVALID_FORMATThe branch identifier doesn’t follow the correct format for this country.1234 for JP
CREDITOR_BRANCH_IDENTIFIER_DOES_NOT_EXISTThe branch identifier entered does not seem to be present in published lists for the bank. It could be wrong, deprecated, or has yet to appear.999 for Mizuho Bank (JP)
CREDITOR_ACCOUNT_NUMBER_INVALID_FORMATThe account number does not match the valid format for this country.123456789 for GB
CREDITOR_ACCOUNT_NUMBER_TOO_SHORTThe account number you entered is too short. It may be truncated, have missing zeroes, or missing the bank identifier.947093420 for SE
CREDITOR_ACCOUNT_NUMBER_TOO_LONGThe account number you entered is too long. It may contain extra digits.135000144454 for SE
CREDITOR_ACCOUNT_NUMBER_INCORRECT_CHECKSUMThe account number fails the checksum validation.0270056410000438550018 for AR
CREDITOR_ACCOUNT_NUMBER_INVALID_BANK_IDENTIFIERThe account number contains an invalid bank identifier.0280056110000438550019 for AR (as 028 is not valid bank identifier) or 10011234567 for SE (1001 is not a valid clearingnummer)
CREDITOR_ACCOUNT_ID_EMAIL_INVALID_FORMATThe provided email address doesn’t follow the correct format.user@domain or user.domain.tld
CREDITOR_ACCOUNT_ID_MSISDN_INVALID_FORMATThe provided mobile number doesn’t follow the correct format+12345 or 0011111111
CREDITOR_BANK_IDENTIFIER_ACCOUNT_NUMBER_INCONSISTENCYThe account number and bank identifier combination is incorrect.040075 and 49976223 for GB
CREDITOR_BANK_IDENTIFIER_ACCOUNT_NUMBER_SWAPThe bank identifier and account number appear to be swappedFor US, 021000021 as account number and 738278291 as routing number
CREDITOR_BANK_IDENTIFIER_ACCOUNT_NUMBER_DUPLICATIONThe bank identifier and account number are duplicatedFor US, 021000021 as both account number and routing number
CREDITOR_BANK_IDENTIFIER_SCHEME_UNSUPPORTEDThe bank identifier is not compatible with the specified settlement scheme011001726 as routing number and US_FEDWIRE as settlement system
INTERMEDIARY_1_INVALID_FORMATThe intermediary BIC you entered is of invalid formatBOFAUS
INTERMEDIARY_1_DOES_NOT_EXISTThe intermediary BIC you entered does not exist.CHASUSMMXXX
INTERMEDIARY_1_NO_SSIThe intermediary BIC does not have standing settlement instructions for this currency with the next agent in the chain.USD to REVOGB2LXXX through CITIGB22XXX
INTERMEDIARY_1_COMPLIANCE_HITThe intermediary BIC is restricted for compliance reasons.HAVIGB2LXXX
INTERMEDIARY_2_INVALID_FORMATThe intermediary BIC you entered is of invalid formatBOFAUS
INTERMEDIARY_2_DOES_NOT_EXISTThe intermediary BIC you entered does not exist.CHASUSMMXXX
INTERMEDIARY_2_NO_SSIThe intermediary BIC does not have standing settlement instructions for this currency with the next agent in the chain.USD to RVBKUZ22XXX through IRVTUS3NXXX and SCPEUZ22XXX
INTERMEDIARY_2_COMPLIANCE_HITThe intermediary BIC is restricted for compliance reasons.HAVIGB2LXXX
INTERMEDIARY_3_INVALID_FORMATThe intermediary BIC you entered is of invalid formatBOFAUS
INTERMEDIARY_3_DOES_NOT_EXISTThe intermediary BIC you entered does not exist.CHASUSMMXXX
INTERMEDIARY_3_NO_SSIThe intermediary BIC does not have standing settlement instructions for this currency with the next agent in the chain.USD to REVOGB21XXX through CHASUS33XXX, CHASGB2LXXX and REVOLT21XXX
INTERMEDIARY_3_COMPLIANCE_HITThe intermediary BIC is restricted for compliance reasons.HAVIGB2LXXX