POSTBank Account Verification

Verify a bank account by transferring ₹1 (penny drop) and retrieve the account holder name, account status, and branch details in real time.

POST/tools/kyc/bank-account/sync

Performs a live penny-drop transaction of ₹1 to the specified bank account and returns the account holder name as registered with the bank, account status, IFSC details, and the UTR of the debit. Use this before payouts to prevent failures and fraud. The ₹1 is credited to the beneficiary — no refund occurs. Supports all IMPS-enabled banks in India.

Body parameters

Field	Type	Required	Description
`initiator_id`	string	required	Registered mobile number of the API user (see Platform Credentials).e.g. 9962981729
`user_code`	string	required	User code of the retailer/agent the service is run for.e.g. 20810200
`client_ref_id`	string	optional	Unique reference id per API call, generated by your system.e.g. REQ-20260101-001
`bank_account`	number	required	Complete bank account number to be verified.e.g. 1234567890
`ifsc`IFSC Code	string	required	IFSC code of the bank account to be verified (11-character alphanumeric).e.g. SBIN0001234

initiator_idstringRequired

Registered mobile number of the API user (see Platform Credentials).

example: 9962981729

user_codestringRequired

User code of the retailer/agent the service is run for.

example: 20810200

client_ref_idstringoptional

Unique reference id per API call, generated by your system.

example: REQ-20260101-001

bank_accountnumberRequired

Complete bank account number to be verified.

example: 1234567890

ifscstringRequired· IFSC Code

IFSC code of the bank account to be verified (11-character alphanumeric).

example: SBIN0001234

Headers

Field	Type	Required	Description
`developer_key`	string	required	Static API key issued to your account after KYC.
`secret-key`	string	required	Dynamic per-request signature: base64(HMAC-SHA256(timestamp, base64(access_key))).
`secret-key-timestamp`	string	required	Current time in milliseconds since UNIX epoch, used to compute secret-key. Must match server time.
`content-type`	string	required	application/jsone.g. application/json

developer_keystringRequired

Static API key issued to your account after KYC.

secret-keystringRequired

Dynamic per-request signature: base64(HMAC-SHA256(timestamp, base64(access_key))).

secret-key-timestampstringRequired

Current time in milliseconds since UNIX epoch, used to compute secret-key. Must match server time.

content-typestringRequired

application/json

example: application/json

Responses

statusnumber
Primary success indicator (0 = success).
messagestring
Human-readable response / error message.
response_status_idnumber
Granular status id; see the shared error-codes table.
response_type_idnumber
A unique id for every possible response shape (success or error) — useful for client logic branching and analytics.
dataobject
API-specific response payload.
- account_existsboolean
  Whether the bank account is valid and active.
- account_namestring
  Account holder name as registered with the bank. Use for name matching against provided details.
- ifscstring
  IFSC code confirmed by the bank for the verified account.
- bankstring
  Full name of the bank associated with the account.
- branchstring
  Branch name associated with the IFSC code.
- utrstring
  Unique Transaction Reference number of the ₹1 penny-drop credit. Useful for reconciliation.