Skip to main content
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. Account verification supports two processing modes depending on the corridor:
  • Asynchronous corridors: The endpoint immediately returns a PENDING account verification object, allowing you to track the verification progress by its ID or receive real-time updates via webhooks.
  • Synchronous corridors: The endpoint returns a completed verification result immediately.
POST /payments/verifications
  • Asynchronous
  • Synchronous
Request
{
  "details": {
    "country": "AR",
    "creditorAccount": {
      "id": {
        "value": "9990000100000000000000",
        "type": "ACCOUNT_NUMBER"
      }
    }
  }
}
Response
{
  "id": "3404bd69-c7ca-4ce0-8a65-358cbf2ee32f",
  "createdDate": "2025-06-30T12:54:14.418745Z",
  "updatedDate": "2025-06-30T12:54:16.894150Z",
  "state": "PENDING"
}
Before starting the verification process, the API validates your request to ensure it contains all required fields and properly formatted data for the specified corridor. 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. 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.

​
Real-time updates

To stay informed about the progress of your account verification requests, we recommend setting up webhooks and subscribing to account verification event types. This ensures your system is immediately notified when verification requests are submitted and when results become available. Available event types:
  • ACCOUNT_VERIFICATION.SUBMITTED - triggered when a verification request is submitted
  • ACCOUNT_VERIFICATION.COMPLETED - triggered when verification finishes with a result
  • ACCOUNT_VERIFICATION.FAILED - triggered when verification fails
For detailed instructions on how to set up and manage webhooks, please refer to our webhooks guide.

​
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}
  • Completed - Active account
  • Completed - NOT_FOUND account
  • Failed - Bank not available
Response
{
  "id": "3404bd69-c7ca-4ce0-8a65-358cbf2ee32f",
  "createdDate": "2025-06-30T12:54:14.418745Z",
  "updatedDate": "2025-06-30T12:54:16.894150Z",
  "state": "COMPLETED",
  "result": {
      "accountStatus": "ACTIVE",
      "accountHolderName": {
          "verifiedName": "ROBERTO CARLOS"
      }
  }
}

​
Corridor specifications

Each corridor has specific verification capabilities, 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.

​
Argentina

Processing mode: asynchronous Verification capabilities:
  • Account status: ACTIVE, NOT_FOUND
  • Beneficiary name disclosure
We accept CBU (Clave Bancaria Uniforme) numbers for all banks connected to Argentina’s national clearing system (Cámara de Compensación).
​
country
string
required
Must be AR
​
creditorAccount.id.value
string
required
Account number in CBU (Clave Bancaria Uniforme) format. Must be exactly 22 digits.
​
creditorAccount.id.type
string
required
Must be ACCOUNT_NUMBER
Example:
Request
{
  "details": {
    "country": "AR",
    "creditorAccount": {
      "id": {
        "value": "9990000100000000000000",
        "type": "ACCOUNT_NUMBER"
      }
    }
  }
}
Response
{
  "id": "3404bd69-c7ca-4ce0-8a65-358cbf2ee32f",
  "createdDate": "2025-06-30T12:54:14.418745Z",
  "updatedDate": "2025-06-30T12:54:16.894150Z",
  "state": "COMPLETED",
  "result": {
    "accountStatus": "ACTIVE",
    "accountHolderName": {
      "verifiedName": "ROBERTO CARLOS"
    }
  }
}

​
Brazil

Processing mode: asynchronous Verification capabilities:
  • Account status: ACTIVE, NOT_FOUND
  • Beneficiary name disclosure
Member IDName
001BCO DO BRASIL
003BCO DA AMAZONIA
004BCO DO NORDESTE DO BRASIL
010CREDICOAMO
012BANCO INBURSA
016CCM DESP TRANS SC E RS
021BCO BANESTES
033BCO SANTANDER (BRASIL)
037BCO DO EST. DO PA
041BCO DO ESTADO DO RS
047BCO DO EST. DE SE
069BCO CREFISA
070BRB
077BANCO INTER
079BCO ORIGINAL DO AGRO
082BANCO TOPAZIO
084UNIPRIME NORTE DO PARANA
085COOP CENTRAL AILOS
088BANCO RANDON
089CREDISAN CC
095TRAVELEX BANCO DE CAMBIO
097CREDISIS CENTRAL DE COOPERATIVAS DE CREDITO LTDA
098CREDIALIANCA CCR
099UNIPRIME CENTRAL CCC LTDA.
104CAIXA ECONOMICA FEDERAL
119BCO WESTERN UNION
121BCO AGIBANK
125BANCO GENIAL
130CARUANA SCFI
133CRESOL CONFEDERACAO
136CONF NAC COOP CENTRAIS UNICRED
144BEXS BCO DE CAMBIO
159CASA CREDITO SCM
174PEFISA
183SOCRED SA
190SERVICOOP
197STONE PAGAMENTOS
208BANCO BTG PACTUAL
212BANCO ORIGINAL
213BCO ARBI
218BCO BS2
224BCO FIBRA
237BCO BRADESCO
243BCO MAXIMA
246BCO ABC BRASIL
254PARANA BCO
260NU PAGAMENTOS
269BCO HSBC
271IB CCTVM
274MONEY PLUS SCMEPP LTDA
276BCO SENFF
279CCR DE PRIMAVERA DO LESTE
280WILL FINANCEIRA CFI
281CCR COOPAVEL
290PAGSEGURO
299BCO SOROCRED
301BPP IP
310VORTX DTVM LTDA
312HSCM SCMEPP LTDA
318BCO BMG
322CCR DE ABELARDO LUZ
323MERCADO PAGO
324CARTOS SCD
326PARATI
329QI SCD
330BANCO BARI
332ACESSO SOLUCOES PAGAMENTO
335BANCO DIGIO
336BCO C6
340SUPER PAGAMENTOS E ADMINISTRACAO DE MEIOS ELETRONICOS
341ITAU UNIBANCO
348BCO XP
349AL5 CFI
350CREHNOR LARANJEIRAS
355ÓTIMO SCD
358MIDWAY
359ZEMA CFI
362CIELO
364GERENCIANET
365SIMPAUL
368BCO CSF
373UP.P SEP
374REALIZE CFI
376BCO J.P. MORGAN
377BMS SCD
378BBC LEASING
379CECM COOPERFORTE
380PICPAY
382FIDUCIA SCMEPP LTDA
383JUNO
384GLOBAL SCM LTDA
389BCO MERCANTIL DO BRASIL
391CCR DE IBIAM
395F D GOLD DTVM LTDA
396HUB PAGAMENTOS
397LISTO SCD
401IUGU SERVICOS NA INTERNET
402COBUCCIO SCD
403CORA SCD
404SUMUP SCD
406ACCREDITO SCD
407ÍNDIGO INVESTIMENTOS DTVM LTDA
408BONUSPAGO SCD
410PLANNER SCM
411VIA CERTA FINANCIADORA
412BCO CAPITAL
413BANCO BV
419NUMBRS SCD
422BCO SAFRA
425SOCINAL
427CRED-UFES
428CRED-SYSTEM SCD
435DELCRED SOCIEDADE DE CREDITO DIRETO
439ID CORRETORA DE TITULOS E VALORES MOBILIARIOS
444TRINUS SOCIEDADE DE CREDITO DIRETO
448HEMERA DISTRIBUIDORA DE TITULOS E VALORES MOBILIARIOS LTDA
450FITBANK INSTITUICAO DE PAGAMENTOS ELETRONICOS
452CREDIFIT SOCIEDADE DE CREDITO DIRETO
457UY3 SOCIEDADE DE CREDITO DIRETO
460UNAVANTI SOCIEDADE DE CREDITO DIRETO
461ASAAS
462STARK SOCIEDADE DE CREDITO DIRETO
465CAPITAL CONSIG SOCIEDADE DE CREDITO DIRETO
468PORTOSEG - CREDITO
470CDC SOCIEDADE DE CREDITO DIRETO
478GAZINCRED SOCIEDADE DE CREDITO
481SUPERLOGICA SOCIEDADE DE CREDITO DIRETO
482SBCASH SOCIEDADE DE CREDITO DIRETO
510FFCRED SOCIEDADE DE CREDITO DIRETO
511MAGNUM SOCIEDADE DE CREDITO DIRETO
523HR DIGITAL - SOCIEDADE DE CREDITO DIRETO
526MONETARIE SOCIEDADE DE CREDITO DIRETO
528REAG TRUST DISTRIBUIDORA DE TITULOS E VALORES MOBILIARIOS
530SER FINANCE SOCIEDADE DE CREDITO DIRETO
536NEON PAGAMENTOS - IP
537MICROCASH SOCIEDADE DE CREDITO AO MICROEMPREENDEDOR E A EMPRESA DE PEQUENO PORTE LTDA
542CLOUDWALK INSTITUICAO DE PAGAMENTO E SERVICOS LTDA
594ASA SOCIEDADE DE CREDITO DIRETO
600BCO LUSO BRASILEIRO
604BCO INDUSTRIAL DO BRASIL
610BCO VR
612BCO GUANABARA
613OMNI BANCO
623BANCO PAN
630SMARTBANK
633BCO RENDIMENTO
634BCO TRIANGULO
637BCO SOFISA
653BCO INDUSVAL
654BCO DIGIMAIS
655BCO VOTORANTIM
707BCO DAYCOVAL
712BCO OURINVEST
741BCO RIBEIRAO PRETO
743BANCO SEMEAR
745BCO CITIBANK
746BCO MODAL
748BCO COOPERATIVO SICREDI
755BOFA MERRILL LYNCH BM
756BANCO SICOOB
757BCO KEB HANA DO BRASIL
​
country
string
required
Must be BR
​
creditorAccount.id.value
string
required
Account number in local format. Must include verification digits.
​
creditorAccount.id.type
string
required
Must be ACCOUNT_NUMBER
​
creditorAccount.type
string
required
Account type. Must be one of:
  • SAVINGS - Conta Poupança
  • CHECKING - Conta Corrente
  • PAYMENTS - Conta Pagamento
  • EASY - Conta Fácil
  • PUBLIC_ENTITY - Entidades Públicas
​
creditorAgent.clearingSystemMemberId.memberId
string
required
Bank code. Must be exactly 3 digits.
​
creditorAgent.branchId
string
required
Branch code. Must be exactly 4 digits.
​
creditor.documents[].value
string
required
Submit the CPF or CNPJ number, including check digits. Dashes and dots are allowed.
​
creditor.documents[].type
string
required
Document type. Must be one of:
  • CPF - Cadastro de Pessoas Fisicas
  • CNPJ - Cadastro Nacional da Pessoa Juridica
Example:
Request
{
  "details": {
    "country": "BR",
    "creditorAccount": {
      "id": {
        "value": "1001",
        "type": "ACCOUNT_NUMBER"
      },
      "type": "CHECKING"
    },
    "creditorAgent": {
      "clearingSystemMemberId": {
        "memberId": "999"
      },
      "branchId": "0001"
    },
    "creditor": {
      "documents": [
        {
          "value": "58.547.642/0001-95",
          "type": "CNPJ"
        }
      ]
    }
  }
}
Response
{
  "id": "1f12ef1a-9bd1-4468-918e-ba9f34163778",
  "createdDate": "2025-06-30T12:54:57.848243Z",
  "updatedDate": "2025-06-30T12:55:00.577988Z",
  "state": "COMPLETED",
  "result": {
    "accountStatus": "ACTIVE",
    "accountHolderName": {
      "verifiedName": "JOÃO DAS NEVES"
    }
  }
}

​
Chile

Processing mode: asynchronous Verification capabilities:
  • Account status: ACTIVE, NOT_FOUND
  • Beneficiary name disclosure
Member IDName
001BANCO DE CHILE
009BANCO INTERNACIONAL
012BANCO DEL ESTADO DE CHILE
014SCOTIABANK
016BANCO DE CREDITO E INVERSIONES (BCI)
028BANCO BICE
031HSBC BANK
037BANCO SANTANDER
039ITAU
041JP MORGAN CHASE BANK
049BANCO SECURITY
051BANCO FALABELLA
053BANCO RIPLEY
055BANCO CONSORCIO
672COOPEUCH
729PREPAGO LOS HEROES
730TENPO PREPAGO
732TAPP CAJA LOS ANDES
875MERCADO PAGO
​
country
string
required
Must be CL
​
creditorAccount.id.value
string
required
Account number in local format
​
creditorAccount.id.type
string
required
Must be ACCOUNT_NUMBER
​
creditorAccount.type
string
required
Account type. Must be one of:
  • SAVINGS - Cuenta Ahorros
  • CHECKING - Cuenta Corriente
  • DEMAND - Cuenta Vista
​
creditorAgent.clearingSystemMemberId.memberId
string
required
Bank code. Must be exactly 3 digits.
​
creditor.documents[].value
string
required
Submit the RUT number, including the check character (0-9 or K). Dashes and dots are allowed.
​
creditor.documents[].type
string
required
  • RUT - Registro Unico Tributario
Example:
Request
{
  "details": {
    "country": "CL",
    "creditorAccount": {
      "id": {
        "value": "1234567890",
        "type": "ACCOUNT_NUMBER"
      },
      "type": "CHECKING"
    },
    "creditorAgent": {
      "clearingSystemMemberId": {
        "memberId": "999"
      }
    },
    "creditor": {
      "documents": [
        {
          "value": "167131301",
          "type": "RUT"
        }
      ]
    }
  }
}
Response
{
  "id": "2632762e-40b8-4935-858d-5bdd86fb34ea",
  "createdDate": "2025-06-30T13:09:32.503320Z",
  "updatedDate": "2025-06-30T13:09:34.573119Z",
  "state": "PENDING",
  "result": {
    "accountStatus": "ACTIVE",
    "accountHolderName": {
      "verifiedName": "ARTURO ERASMO VIDAL PARDO"
    }
  }
}

​
Colombia

Processing mode: asynchronous Verification capabilities:
  • Account status: ACTIVE, NOT_FOUND
  • Masked beneficiary name disclosure
Member IDName
001BANCO DE BOGOTA
006ITAU
007BANCOLOMBIA
009CITIBANK
012BANCO GNB SUDAMERIS
019SCOTIABANK COLPATRIA
023BANCO DE OCCIDENTE
032BANCO CAJA SOCIAL (BCSC)
051BANCO DAVIVIENDA
052BANCO AV VILLAS
059BANCO DE LAS MICROFINANZAS - BANCAMIA
053BANCO W
061BANCOOMEVA
063BANCO FINANDINA
062BANCO FALABELLA
060BANCO PICHINCHA
067MIBANCO
069BANCO SERFINANZA
071BANCO J.P. MORGAN COLOMBIA
070LULO BANK
805BANCO BTG PACTUAL
​
country
string
required
Must be CO
​
creditorAccount.id.value
string
required
Account number in local format
​
creditorAccount.id.type
string
required
Must be ACCOUNT_NUMBER
​
creditorAccount.type
string
required
Account type. Must be one of:
  • SAVINGS - Cuenta Ahorros
  • CHECKING - Cuenta Corriente
​
creditorAgent.clearingSystemMemberId.memberId
string
required
Bank code. Must be exactly 3 digits.
​
creditor.documents[].value
string
required
Submit the NIT or CC number. For NIT, omit the check digit. Dashes and dots are allowed.
​
creditor.documents[].type
string
required
Document type. Must be one of:
  • NIT - Numero de Identificacion Tributaria
  • CC - Cedula de Ciudadania
Example:
Request
{
  "details": {
    "country": "CO",
    "creditorAccount": {
      "id": {
        "value": "000000001",
        "type": "ACCOUNT_NUMBER"
      },
      "type": "CHECKING"
    },
    "creditorAgent": {
      "clearingSystemMemberId": {
        "memberId": "999"
      }
    },
    "creditor": {
      "documents": [
        {
          "value": "123456789",
          "type": "CC"
        }
      ]
    }
  }
}
Response
{
  "id": "5c980d05-d4ac-40d8-a6e1-7a7ec79c85ee",
  "createdDate": "2025-06-30T13:07:20.282976Z",
  "updatedDate": "2025-06-30T13:07:23.230231Z",
  "state": "COMPLETED",
  "result": {
    "accountStatus": "ACTIVE",
    "accountHolderName": {
      "verifiedName": "JAM** DAV** ROD****** RUB**"
    }
  }
}

​
Ecuador

Processing mode: asynchronous Verification capabilities:
  • Account status: ACTIVE, NOT_FOUND
  • Beneficiary name disclosure
Member IDName
10BANCO PICHINCHA
17BANCO DE GUAYAQUIL
29BANCO DE LOJA
30BANCO DEL PACIFICO
32BANCO INTERNACIONAL
34BANCO AMAZONAS
35BANCO DEL AUSTRO
36BANCO PRODUBANCO
37BANCO BOLIVARIANO
42BANCO GENERAL RUMINAHUI
59BANCO SOLIDARIO
60BANCO PROCREDIT
​
country
string
required
Must be EC
​
creditorAccount.id.value
string
required
Account number in local format
​
creditorAccount.id.type
string
required
Must be ACCOUNT_NUMBER
​
creditorAccount.type
string
required
Account type. Must be one of:
  • SAVINGS - Cuenta Ahorros
  • CHECKING - Cuenta Corriente
  • VIRTUAL - Cuenta Virtual
  • ROL_ELECTRONICO - Cuenta Rol Electrónica
  • CUENTA_AMIGA - Cuenta Amiga
  • CARD - Tarjeta de Débito
​
creditorAgent.clearingSystemMemberId.memberId
string
required
Bank code. Must be exactly 2 digits.
​
creditor.documents[].value
string
required
Submit the CC, RUC, or PAS number. Dashes and dots are allowed.
​
creditor.documents[].type
string
required
Document type. Must be one of:
  • CC - Cedula de Ciudadania
  • RUC - Registro Unico de Contribuyentes
  • PAS - Pasaporte
Example:
Request
{
  "details": {
    "country": "EC",
    "creditorAccount": {
      "id": {
        "value": "1234",
        "type": "ACCOUNT_NUMBER"
      },
      "type": "CHECKING"
    },
    "creditorAgent": {
      "clearingSystemMemberId": {
        "memberId": "99"
      }
    },
    "creditor": {
      "documents": [
        {
          "value": "1790085783001",
          "type": "RUC"
        }
      ]
    }
  }
}
Response
{
  "id": "cb68ae64-3ff5-4488-b90a-6eabaae64cbe",
  "createdDate": "2025-06-30T13:10:11.943605Z",
  "updatedDate": "2025-06-30T13:10:14.202128Z",
  "state": "PENDING",
  "result": {
    "accountStatus": "ACTIVE",
    "accountHolderName": {
      "verifiedName": "ENNER VALENCIA"
    }
  }
}

​
Mexico

Processing mode: asynchronous Verification capabilities:
  • Account status: ACTIVE, NOT_FOUND
  • Beneficiary name disclosure
We accept CLABE (Clave Bancaria Estandarizada) numbers for all banks connected to the national clearing system (Sistema de Pagos Electrónicos Interbancarios).
​
country
string
required
Must be MX
​
creditorAccount.id.value
string
required
Account number in CLABE (Clave Bancaria Estandarizada) format. Must be exactly 18 digits.
​
creditorAccount.id.type
string
required
Must be ACCOUNT_NUMBER
Example:
Request
{
  "details": {
    "country": "MX",
    "creditorAccount": {
      "id": {
        "value": "999000000000000001",
        "type": "ACCOUNT_NUMBER"
      }
    }
  }
}
Response
{
  "id": "6706d767-dba9-4c1d-8a61-6cf6ed08ca67",
  "createdDate": "2025-06-30T13:10:33.457054Z",
  "updatedDate": "2025-06-30T13:10:36.738128Z",
  "state": "COMPLETED",
  "result": {
    "accountStatus": "ACTIVE",
    "accountHolderName": {
      "verifiedName": "BANCO DE TAPITAS AC"
    }
  }
}

​
Peru

Processing mode: asynchronous Verification capabilities:
  • Account status: ACTIVE, NOT_FOUND
  • Beneficiary name disclosure
Member IDName
002BANCO DE CREDITO
003BANCO INTERNACIONAL - INTERBANK
007CITIBANK
009SCOTIABANK
011BBVA BANCO CONTINENTAL
018BANCO DE LA NACION
023BANCO DE COMERCIO
035BANCO FINANCIERO DEL PERU
038BANCO INTERAMERICANO DE FINANZAS
043CREDISCOTIA
049MIBANCO
053HSBC
054BANCO FALABELLA
055BANCO RIPLEY
056BANCO SANTANDER
058BANCO AZTECA
091COMPARTAMOS
094FINANCIERA OH
096FINANCIERA EFECTIVA
099FINANCIERA CONFIANZA
776PREXPE
800CAJA METROPOLITANA
801CAJA PIURA
802CAJA MUNICIPAL DE TRUJILLO
803CAJA MUNICIPAL AREQUIPA
806CAJA CUZCO
808CAJA HUANCAYO
809CAJA ICA
849CAJA LOS ANDES
922DALE
​
country
string
required
Must be PE
​
creditorAccount.id.value
string
required
Account number in CCI (Código de Cuenta Interbancario) format
​
creditorAccount.id.type
string
required
Must be ACCOUNT_NUMBER
Example:
Request
{
  "details": {
    "country": "PE",
    "creditorAccount": {
      "id": {
        "value": "99900000000000000030",
        "type": "ACCOUNT_NUMBER"
      }
    }
  }
}
Response
{
  "id": "d266fec3-6c57-4437-9198-7322e562e5c1",
  "createdDate": "2025-06-30T13:10:50.452143Z",
  "updatedDate": "2025-06-30T13:10:53.225936Z",
  "state": "COMPLETED",
  "result": {
    "accountStatus": "ACTIVE",
    "accountHolderName": {
      "verifiedName": "LEON ZARAMAY FEDOR"
    }
  }
}

​
Uruguay

Processing mode: asynchronous Verification capabilities:
  • Account status: ACTIVE, NOT_FOUND
  • Masked beneficiary name disclosure
Member IDName
001BROU - BANCO DE LA REPUBLICA ORIENTAL DEL URUGUAY
091BANCO HIPOTECARIO DEL URUGUAY
110BANCO BANDES
113BANCO ITAU
128SCOTIABANK
137BANCO SANTANDER
153BBVA
157HSBC BANK
162BANQUE HERITAGE
246BANCO DE LA NACION ARGENTINA
205CITIBANK NA SUCURSAL
452PREX(FORTEX)
​
country
string
required
Must be UY
​
creditorAccount.id.value
string
required
Account number in local format
​
creditorAccount.id.type
string
required
Must be ACCOUNT_NUMBER
​
creditorAgent.clearingSystemMemberId.memberId
string
required
Bank code. Must be exactly 3 digits.
Example:
Request
{
  "details": {
    "country": "UY",
    "creditorAccount": {
      "id": {
        "value": "0000",
        "type": "ACCOUNT_NUMBER"
      }
    },
    "creditorAgent": {
      "clearingSystemMemberId": {
        "memberId": "999"
      }
    }
  }
}
Response
{
  "id": "23f9140b-faf9-4228-9698-21458d47eb1a",
  "createdDate": "2025-06-30T13:11:15.103800Z",
  "updatedDate": "2025-06-30T13:11:17.745244Z",
  "state": "COMPLETED",
  "result": {
    "accountStatus": "ACTIVE",
    "accountHolderName": {
      "verifiedName": "LE*** ZA****"
    }
  }
}

​
United Kingdom

Processing mode: synchronous Verification capabilities:
  • Account status: ACTIVE, INACTIVE, CLOSED, NOT_FOUND, FORBIDDEN
  • Beneficiary name match status: FULL_MATCH, PARTIAL_MATCH, NO_MATCH
  • Optional beneficiary name disclosure (typically in cases of PARTIAL_MATCH)
  • Account type match status: MATCH or NO_MATCH
All banks participating in the UK Confirmation of Payee (CoP) scheme are supported.
​
country
string
required
Must be GB
​
creditorAccount.id.value
string
required
Account number in local format (8 digits)
​
creditorAccount.id.type
string
required
Must be ACCOUNT_NUMBER
​
creditorAgent.clearingSystemMemberId.memberId
string
required
Sort code (6 digits)
​
creditor.type
string
required
Account holder type. Must be one of:
  • INDIVIDUAL - Personal account
  • BUSINESS - Business account
​
creditor.name
string
required
Account holder name for matching
Full match example:
Request
{
  "details": {
    "country": "GB",
    "creditorAccount": {
      "id": {
        "value": "12345678",
        "type": "ACCOUNT_NUMBER"
      }
    },
    "creditorAgent": {
      "clearingSystemMemberId": {
        "memberId": "123456"
      }
    },
    "creditor": {
      "type": "INDIVIDUAL",
      "name": "John Doe"
    }
  }
}
Response
{
  "id": "cc80e84f-de34-4504-bb26-6edf9ac08793",
  "createdDate": "2025-08-22T11:58:26.123456Z",
  "updatedDate": "2025-08-22T11:58:26.123456Z",
  "state": "COMPLETED",
  "result": {
    "accountStatus": "ACTIVE",
    "accountHolderName": {
      "matchStatus": "FULL_MATCH"
    },
    "accountType": {
      "matchStatus": "MATCH"
    }
  }
}
Partial name match example:
Request
{
  "details": {
    "country": "GB",
    "creditorAccount": {
      "id": {
        "value": "12345678",
        "type": "ACCOUNT_NUMBER"
      }
    },
    "creditorAgent": {
      "clearingSystemMemberId": {
        "memberId": "123456"
      }
    },
    "creditor": {
      "type": "INDIVIDUAL",
      "name": "Jon Doe"
    }
  }
}
Response
{
  "id": "ff3767ae-2e2b-4b29-85a8-3d9ad2d1572a",
  "createdDate": "2025-08-22T12:38:54.764819Z",
  "updatedDate": "2025-08-22T12:38:54.764819Z",
  "state": "COMPLETED",
  "result": {
    "accountStatus": "ACTIVE",
    "accountHolderName": {
      "matchStatus": "PARTIAL_MATCH",
      "verifiedName": "John Doe"
    },
    "accountType": {
      "matchStatus": "MATCH"
    }
  }
}
Account type mismatch example:
Request
{
  "details": {
    "country": "GB",
    "creditorAccount": {
      "id": {
        "value": "12345678",
        "type": "ACCOUNT_NUMBER"
      }
    },
    "creditorAgent": {
      "clearingSystemMemberId": {
        "memberId": "123456"
      }
    },
    "creditor": {
      "type": "BUSINESS",
      "name": "John Doe"
    }
  }
}
Response
{
  "id": "273ea3b1-188f-455e-b5f3-fba2e8a3e021",
  "createdDate": "2025-08-22T12:38:56.169356Z",
  "updatedDate": "2025-08-22T12:38:56.169356Z",
  "state": "COMPLETED",
  "result": {
    "accountStatus": "ACTIVE",
    "accountHolderName": {
      "matchStatus": "FULL_MATCH"
    },
    "accountType": {
      "matchStatus": "NO_MATCH"
    }
  }
}

​
Europe (SEPA)

European (SEPA) verification is currently in development and expected to be available November 2025.
Processing mode: synchronous Verification capabilities:
  • Account status: ACTIVE, INACTIVE, CLOSED, NOT_FOUND, FORBIDDEN
  • Beneficiary name match status: FULL_MATCH, NO_MATCH
​
creditorAccount.id.value
string
required
IBAN value
​
creditorAccount.id.type
string
required
Must be IBAN
​
creditor.name
string
required
Account holder name for matching
Full match example:
Request
{
  "details": {
    "creditorAccount": {
      "id": {
        "value": "DE76500105179729771231",
        "type": "IBAN"
      }
    },
    "creditor": {
      "name": "Hans Mueller"
    }
  }
}
Response
{
  "id": "da0fbeca-1694-4b37-bfd3-663b78feb44c",
  "createdDate": "2025-09-19T10:30:15.123456Z",
  "updatedDate": "2025-09-19T10:30:15.123456Z",
  "state": "COMPLETED",
  "result": {
    "accountStatus": "ACTIVE",
    "accountHolderName": {
      "matchStatus": "FULL_MATCH"
    }
  }
}
No match example:
Request
{
  "details": {
    "creditorAccount": {
      "id": {
        "value": "FR8214508000306629661796G91",
        "type": "IBAN"
      }
    },
    "creditor": {
      "name": "Pierre Dupont"
    }
  }
}
Response
{
  "id": "373a7634-e3a2-48e2-a005-e36321c6b265",
  "createdDate": "2025-09-19T10:35:22.987654Z",
  "updatedDate": "2025-09-19T10:35:22.987654Z",
  "state": "COMPLETED",
  "result": {
    "accountStatus": "ACTIVE",
    "accountHolderName": {
      "matchStatus": "NO_MATCH"
    }
  }
}

​
Processing times for asynchronous corridors

Account verification processing times vary by country based on the underlying banking infrastructure. These metrics apply only to asynchronous corridors.
CountryAverage time, in seconds99th percentile, in seconds
Argentina211
Brazil824
Chile667
Colombia338
Ecuador1269
Mexico98614
Peru750
Uruguay428
Processing times are measured from request submission to result availability. These metrics are based on recent production data and may vary based on banking system availability and network conditions.