Verify Account or Penny Test API

Penny Test is performed to verify the account. A certain amount is deposited into the beneficiary account details and verified if it is deposited successfully or not. On successful deposit, the account verification is completed successfully.

The Verify Account API will return the account holder’s name against the bank details provided.

This API lets you validate VPA ID of your customers. It will return whether a particular VPA ID exists or not. We recommend you to validate VPA before initiating UPI transactions to have better success rates on Payouts

Sample request
curl --location --request POST 'https://test.payumoney.com/payout/payment/verifyAccount' \
--header 'Authorization: Bearer c9d6fbde1b730e4d3d6c4e68002974097bb7fbc173e83aa68dd43064e502ed16' \
--header 'payoutMerchantId: 1111594' \
--header 'Content-Type: application/x-www-form-urlencoded' \
--header 'Cache-Control: no-cache' \
--data-urlencode 'accountNumber=51234567890' \
--data-urlencode 'ifscCode=HDFC0001098' \
--data-urlencode 'merchantRefId=987668124234235' \
--data-urlencode 'validateIfsc=true' \
--data-urlencode 'beneName=Ankush Pokarana' \
--data-urlencode 'nameMatching=true' \
--data-urlencode 'purpose=Test'
Sample response

Success scenario

{
    "status": 0,
    "msg": null,
    "code": null,
    "data": {
        "accountExists": "YES",
        "beneficiaryName": "Ankush Pokarana",
        "nameMatch": 59.45121951219513,
        "status": "Success",
        "error": ""
    }
}

Pending

{
   "status": 0,
   "msg": null,
   "code": null,
   "data": {
      "accountExists": "VERIFICATION_PENDING",
      "beneficiaryName": "Ankush Pokarana",
      "nameMatch": null,
      "status": "Success",
      "error": ""
   }
}

Failure scenario

{
    "status": 0,
    "msg": null,
    "code": null,
    "data": {
        "accountExists": "No",
        "beneficiaryName": "",
        "status": "Success", 
        "error": "Invalid Benificiary MMID/Mobile Number"
    }
}

Header and request parameters

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Note:

The payoutMerchantId is different from PayU merchant ID. Check the Payouts Dashboard or call PayU Customer Support if you don’t know your payoutMerchantID.

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Reference:

For sample request and response, refer to Sample Request and Response for V&V APIs.

Language
Authorization
Bearer
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