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Banking & Credit

Bank Account Verification API

Verify a bank account number and IFSC, confirm the account is live, and match the account holder's name against the name you hold. Stop failed payouts, misdirected salaries and vendor payment fraud before the first transfer.

Response: Real-time
Inputs: 2 required · 2 optional
Consent: Not required
Billing: Per successful call

Get API access API reference

POST /v1/bank-account-verification

Sandbox · Production

Your application sends
- Account number*
- IFSC code*
- Account holder name
- PAN number
Profiden API

Validates the request, queries the source, normalises the answer and logs the call. Billed only on success.
Verified with

Banking network account validation
You receive
- Account exists (yes/no)
- Name as per bank
- Name match result
- Bank name

bank-account-verification Full reference

What the Bank Account Verification API does

Mistyped account numbers and deliberately swapped beneficiary details are the two most common causes of payment failure and fraud. The Bank Account Verification API validates the account with the bank, returns the name as held by the bank and gives you a match result against the name you supply.

Optionally include a PAN to corroborate the account ownership further, which is particularly useful for vendor and contractor payments.

Where it is used

Fintech Staffing & Gig Banks & NBFCs E-commerce

Good to know

Same key and response envelope as every other Profiden API.
Synchronous call: the result comes back in the same request.
Also available as a check inside Profiden cases, with a PDF report.
Sandbox demo hits let you integrate before production billing.

Benefits of the Bank Account Verification API

Confirm an account exists and belongs to the person or business you are paying.

No failed payouts

Catch invalid accounts before payroll, refunds or vendor runs.

Beneficiary name match

The bank's own name on record, compared with yours.

Payment fraud control

Detect swapped or borrowed bank details in vendor master changes.

Real-time

Verify inside the form where bank details are captured.

Use cases

Bank Account Verification API use cases

Where the Bank Account Verification API is typically called, and what it settles there.

Payroll onboarding

Validate salary accounts for every new employee.

Vendor master data

Verify beneficiary details on creation and on every change.

Gig partner payouts

Confirm accounts before weekly settlements.

Lending disbursal and insurance claims

Ensure funds reach the right, verified account.

How the Bank Account Verification API works

Request and response details, environments and a ready-to-import collection are in the developer console at console.profiden.com.

Authenticate

Call with your organisation API key. Sandbox and production use the same contract.

Send the inputs

Account number, IFSC code as a JSON body. Optional fields sharpen the match.

We verify at source

Profiden queries the authoritative record, normalises the answer and logs the request.

Act on the result

A verification status plus the fields listed above, in the same response envelope as every other API.

Open the Bank Account Verification reference

Bank Account Verification API: frequently asked questions

What teams ask before adding the Bank Account Verification API to their integration.

Verification is performed with the bank without your customer seeing a transaction on their statement in most cases. Profiden handles the underlying mechanics so you only see the result.

The match result accounts for common variations such as initials and ordering. Clear mismatches are flagged so you can request corrected details.

Yes. The UPI Verification API resolves a UPI handle to the registered account holder name without needing account and IFSC.