Verify account

Account verification helps you confirm beneficiary account details before processing payments. This service communicates directly with banking systems to verify account details across multiple countries.

This feature provides several benefits:

• Improves user trust during payment setup by confirming recipient details
• Prevents failed payments due to name mismatches on the recipient bank side
• Reduces fraud risk by verifying recipient identity before funds transfer

​

Submit account verification request

Submit a payment instruction to initiate account verification. The endpoint immediately returns a PENDING account verification object, allowing you to track the verification progress by its ID.

POST /payments/verifications

{
  "country": "AR",
  "creditorAccount": {
    "id": {
      "value": "0300056410000438550019",
      "type": "ACCOUNT_NUMBER"
    }
  }
}

{
  "country": "AR",
  "creditorAccount": {
    "id": {
      "value": "0300056410000438550019",
      "type": "ACCOUNT_NUMBER"
    }
  }
}

{
  "country": "BR",
  "creditorAccount": {
    "id": {
      "value": "123456789",
      "type": "ACCOUNT_NUMBER"
    },
    "type": "CHECKING"
  },
  "creditorAgent": {
    "clearingSystemMemberId": {
      "memberId": "070"
    },
    "branchId": "0027"
  },
  "creditor": {
    "documents": [
      {
        "value": "162.152.541-42",
        "type": "CPF"
      }
    ]
  }
}

  {
    "id": "e6ed0b15-aace-4344-83a7-cf477b3c6dc8",
    "createdAt": "2025-06-13T11:07:42Z",
    "updatedAt": "2025-06-13T11:07:42Z",
    "state": "PENDING"
  }

Before initiating the verification process, the API validates your request to ensure it contains all required fields and properly formatted data for the specified country. If any mandatory fields are missing or incorrectly formatted, the verification cannot proceed successfully. In such cases, the API returns a 400 Bad Request error immediately instead of accepting an account verification request.

{
  "code": "ACCOUNT_VERIFICATION_MISSING_REQUIRED_FIELD",
  "message": "Identification document is required for account verification in BR"
}

Before submitting account verification requests, we recommend using the payment validation endpoint. This validation step helps ensure your verification request has the best chance of acceptance and provides immediate feedback on any formatting issues.

​

Retrieve account verification result

Check the status and result of an account verification using the verification ID returned from the submission request.

GET /payments/verifications/{verificationId}

{
  "id": "e6ed0b15-aace-4344-83a7-cf477b3c6dc8",
  "createdAt": "2025-06-13T11:07:42Z",
  "updatedAt": "2025-06-13T11:09:13Z",
  "state": "COMPLETED",
  "result": {
    "accountStatus": "VALID",
    "accountHolderName": {
      "verifiedName": "Fabio Mansilla"
    }
  }
}

{
  "id": "e6ed0b15-aace-4344-83a7-cf477b3c6dc8",
  "createdAt": "2025-06-13T11:07:42Z",
  "updatedAt": "2025-06-13T11:09:13Z",
  "state": "COMPLETED",
  "result": {
    "accountStatus": "VALID",
    "accountHolderName": {
      "verifiedName": "Fabio Mansilla"
    }
  }
}

{
  "id": "e6ed0b15-aace-4344-83a7-cf477b3c6dc8",
  "createdAt": "2025-06-13T11:07:42Z",
  "updatedAt": "2025-06-13T11:09:13Z",
  "state": "COMPLETED",
  "result": {
    "accountStatus": "INVALID"
  }
}

{
  "id": "e6ed0b15-aace-4344-83a7-cf477b3c6dc8",
  "createdAt": "2025-06-13T11:07:42Z",
  "updatedAt": "2025-06-13T11:09:13Z",
  "state": "FAILED",
  "failureReason": "BANK_NOT_SUPPORTED"
}

​

Country specifications

Each country has specific coverage levels, field requirements, and formatting standards. Some countries only require the account number to perform verification, while others require additional information such as bank codes, account types, and beneficiary identification document numbers. Some countries support beneficiary name disclosure, while others only provide name matching without exposing the actual account holder name.

​

Beneficiary name verification options

Account verification provides three different approaches for handling beneficiary names. The available options depend on the country’s regulations - some countries support full name disclosure, while others only allow name matching without revealing the actual account holder name.

{
  "country": "AR",
  "creditorAccount": {
    "id": {
      "value": "0300056410000438550019",
      "type": "ACCOUNT_NUMBER"
    }
  }
}

{
  "result": {
    "accountStatus": "VALID",
    "accountHolderName": {
      "verifiedName": "Fabio Mansilla"
    }
  }
}

{
  "country": "AR",
  "creditorAccount": {
    "id": {
      "value": "0300056410000438550019",
      "type": "ACCOUNT_NUMBER"
    }
  }
}

{
  "result": {
    "accountStatus": "VALID",
    "accountHolderName": {
      "verifiedName": "Fabio Mansilla"
    }
  }
}

{
  "country": "AR",
  "creditor": {
    "name": "Fabio Mansilla"
  },
  "creditorAccount": {
    "id": {
      "value": "0300056410000438550019",
      "type": "ACCOUNT_NUMBER"
    }
  }
}

{
  "result": {
    "accountStatus": "VALID",
    "accountHolderName": {
      "verifiedName": "Fabio Mansilla",
      "matchStatus": "MATCH"
    }
  }
}

{
  "country": "US",
  "creditor": {
    "name": "John Doeh"
  },
  "creditorAccount": {
    "id": {
      "value": "123456789012",
      "type": "ACCOUNT_NUMBER"
    }
  },
  "creditorAgent": {
    "clearingSystemMemberId": {
      "memberId": "021000021"
    }
  }
}

{
  "result": {
    "accountStatus": "VALID",
    "accountHolderName": {
      "matchStatus": "PARTIAL_MATCH"
    }
  }
}