Bank Verification APIs

Bank Verification API let you confirm that a bank account is valid and that the account holder name matches your records. Verification uses a penny drop or penniless transaction against the account number and IFSC you provide.

Use this hub when you integrate bank verification during merchant onboarding, KYC, or payout beneficiary validation. Each API below has its own reference page with request parameters, samples, and response fields.

1. Get Token API – Bank Verification — Obtain a Bearer access_token with scope verify_bank_account.
2. Bank Verification API — Post account number, IFSC, and holder name; optionally enable name matching.
3. Submit OTP API — When the verification or linked authentication flow returns a referenceId and requires customer OTP, collect the OTP on your page and submit it to complete the step.

If OTP submission fails or expires, use Resend OTP API before retrying Submit OTP.