BAV V2

Bank Account Verification Sync V2

Use this API to do bank account verification in sync. View the test data and use the information to trigger the validations. You can use the test data only in test environments such as gamma and sandbox.

Response Codes

Sub Code	Status	Message	Next Action
200	SUCCESS	ACCOUNT_IS_VALID	-
200	SUCCESS	INVALID_ACCOUNT_FAIL	-
200	SUCCESS	ACCOUNT_BLOCKED	-
200	SUCCESS	INVALID_IFSC_FAIL	-
200	SUCCESS	NRE_ACCOUNT_FAIL	-
400	ERROR	name can include a maximum of 100 characters.	Ensure the name entered does not exceed 100 characters.
400	ERROR	name should not include special characters.	Only alphanumeric and white spaces are accepted.
400	ERROR	phone can include a maximum of 13 characters.	Ensure the entered phone number is between 8 and 13 numeric digits.
400	ERROR	phone should include a minimum of 8 characters.	Ensure the entered phone number is between 8 and 13 numeric digits.
400	ERROR	phone should be numeric.	Ensure the entered value contains only numeric digits.
400	ERROR	bank_account is missing in the request.	Ensure you enter a valid bank account number in the request.
400	ERROR	bank_account can include a maximum of 40 characters.	Ensure the entered bank account information does not exceed 40 characters.
400	ERROR	bank_account should include a minimum of 6 characters.	Ensure the entered bank account number has a minimum of 6 characters.
400	ERROR	bank_account should be alphanumeric.	Ensure the bank account number does not contain any characters apart from alphabets and numerals.
400	ERROR	ifsc is missing in the request.	Enter a valid IFSC in the request.
400	ERROR	ifsc should be of 11 characters and 5th character should be 0.	Enter a valid IFSC in the request.
400	ERROR	x-client-id is missing in the request.	Enter all the header information in the API request.
400	ERROR	Client secret belongs to test environment	Enter the correct environment credentials in the request.
400	ERROR	service not enabled for this account.	Contact your account manager or write to us at care@cashfree.com
401	ERROR	Invalid clientId and clientSecret combination	Ensure you enter valid x-client-id and x-client-secret information in the API request.
403	ERROR	IP not whitelisted your current ip is 106.51.91.104.For IP whitelisting assistance, visit our guide at https://docs.cashfree.com/docs/ip-whitelisting-verification	Whitelist the IP address.
422	ERROR	Fraud activity detected for this account.	-
422	ERROR	Insufficient balance to process this request	Try again with sufficient balance.
422	ERROR	verification already under process.	Try again after some time.
422	ERROR	failed at bank.	-
422	ERROR	npci unavailable.	-
422	ERROR	connection timeout from bank.	Try again after some time.
422	ERROR	bene bank declined.	-
422	ERROR	source bank declined.	-
422	ERROR	imps mode fail.	-
422	ERROR	benficiary bank offline.	Try again after some time.
500	ERROR	something went wrong	Try again after some time.

POST

bank-account

sync

{
  "reference_id": 34,
  "name_at_bank": "BHARATHTEST GKUMARUT",
  "bank_name": "YES BANK",
  "city": "MUMBAI",
  "branch": "SANTACRUZ, MUMBAI",
  "micr": 400532038,
  "name_match_score": "90.00",
  "name_match_result": "GOOD_PARTIAL_MATCH",
  "account_status": "VALID",
  "account_status_code": "ACCOUNT_IS_VALID",
  "utr": "404223241811"
}

Authorizations

x-client-id

string

headerrequired

Client ID. You can find your ID in the Merchant Dashboard.

x-client-secret

string

headerrequired

Client secret key. You can find your secret key in the Merchant Dashboard.

Body

application/json

Request body for BAV V2 Sync

bank_account

string

default: 26291800001191required

It is the bank account number for verification. It can be an alphanumeric value between 6 and 40 characters.

ifsc

string

default: YESB0000001required

It is the IFSC information of the bank where the bank account is registered. It should be ann alphanumeric value of 11 characters. The first 4 characters should be alphabets, the 5th character should be a 0, and the remaining 6 characters should be numeric digits.

name

string

default: John Doe

It is the name of the bank account holder. When provided, a name match verification is done. Only alphanumeric, whitespace ( ), period (.), hyphen ( - ), slash (/), and ampersand ( & ) are allowed.

phone

string

default: 9999999999

It is the phone number of the account holder that is associated with the entered bank account. Only numeric digits betweem 8 and 13 characters are allowed.

Response

200 - application/json

Find the description for each response parameter

reference_id

integer

It displays the unique ID created by Cashfree Payments for reference purposes.

name_at_bank

string

It displays the name of the account holder as per the bank records.

bank_name

string

It displays the name of the bank.

utr

string

It displays the unique transaction reference (UTR) number created by the bank to identify the transaction.

city

string

It displays the name of the city where the bank is located.

branch

string

It displays the name of the branch where the bank account is registered.

micr

integer

It represents the code used to identify banks and branches participating in the Electronic Clearing System (ECS).

name_match_score

string

It displays the score of the name match verification.

name_match_result

string

It displays the result of the name match verification.

account_status

string

It displays the status of the bank account.

account_status_code

string

It displays the status code of the bank account.

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{
  "reference_id": 34,
  "name_at_bank": "BHARATHTEST GKUMARUT",
  "bank_name": "YES BANK",
  "city": "MUMBAI",
  "branch": "SANTACRUZ, MUMBAI",
  "micr": 400532038,
  "name_match_score": "90.00",
  "name_match_result": "GOOD_PARTIAL_MATCH",
  "account_status": "VALID",
  "account_status_code": "ACCOUNT_IS_VALID",
  "utr": "404223241811"
}

Secure ID APIs

V2

V1

Bank Account Verification Sync V2

Response Codes

Authorizations

Body

Response