post https://uat-onepayuonboarding.payu.in/dvs/bank_accounts/acc_verification
The Bank Verification API is used to verify bank account using penny drop/penniless transaction.
Environment
| Test Environment | https://uat-onepayuonboarding.payu.in/dvs/bank_accounts/acc_verification |
| Production Environment | https://onepayuonboarding.payu.in/dvs/bank_accounts/acc_verification |
Note:
The access token with the scope as verify_bank_account and grant type as client_credentials are required on the header. For more information on getting the access token, refer to Get Token API - Bank Verification.
Sample request
curl --location 'https://uat-onepayuonboarding.payu.in/dvs/bank_accounts/acc_verification' \
--header 'clientId: <client Id>' \
--header 'Content-Type: application/json' \
--header 'Authorization: ••••••' \
--header 'Cookie: Path=/' \
--data '{
"account_number": "0514100000****",
"ifsc": "HDFC0000514",
"name" : "R******* P"
}
'
Response parameters
| Parameter | Description |
|---|---|
| payuRequestId | This parameter returns the PayU request ID. |
| result | This parameter returns the results of the verification in a JSON format. For more information, refer to result JSON fields description table. |
| requestAttributes | This parameter contains the following details posted in the request in a JSON format: - name - ifsc - accountNumber |
result JSON fields description
| Field | Description | Example |
|---|---|---|
| accountName | The masked name of the account holder for privacy. | Ashish |
| bankResponse | The response message from the bank regarding the transaction status. | Transaction successful |
| bankTxnStatus | A boolean value indicating if the bank transaction was successful. | true |
| accountStatus | The current status of the account. | ACTIVE |
Sample response
Success scenario
{
"payuRequestId": "ba659237-34de-4805-a5cf-ef9dd7a1cda2",
"result": {
"accountName": "P R*******",
"bankResponse": "Transaction successful",
"bankTxnStatus": "true",
"accountStatus": "ACTIVE"
},
"requestAttributes": {
"name": "R******* P",
"ifsc": "HDFC0000514",
"accountNumber": "0514100000****"
}
}
Failure scenario
- Missing client_id value in header
{
"error": "Missing required client_id header"
}
- Invalid account number
{
"payuRequestId": "0aeb7a65-cea3-4e81-9355-38548bb8f795",
"error": {
"reason": "Invalid account number or IFSC provided"
},
"requestAttributes": {
"name": "test",
"ifsc": "HDFC0000514",
"accountNumber": "0514100000***",
"verficationMode": 1
}
}