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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

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Supported corridors

United Kingdom (CoP)

Confirmation of Payee scheme with name and account type matching

SEPA countries (VoP)

Verification of Payee scheme with IBAN-based name matching

Latin America

Eight countries with account holder name disclosure

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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 instantly.
POST /payments/verifications
Request
{
  "details": {
    "country": "AR",
    "creditorAccount": {
      "id": {
        "value": "9990000100000000000000",
        "type": "ACCOUNT_NUMBER"
      }
    }
  }
}
Response
{
  "id": "3404bd69-c7ca-4ce0-8a65-358cbf2ee32f",
  "createdDate": "2025-08-22T12:54:14.418745Z",
  "updatedDate": "2025-08-22T12:54:14.418745Z",
  "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.

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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.

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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}
Response
{
  "id": "3404bd69-c7ca-4ce0-8a65-358cbf2ee32f",
  "createdDate": "2025-08-22T12:54:14.418745Z",
  "updatedDate": "2025-08-22T12:54:16.894150Z",
  "state": "COMPLETED",
  "result": {
      "accountStatus": "ACTIVE",
      "accountHolderName": {
          "verifiedName": "ROBERTO CARLOS"
      }
  }
}