3.Account Validation

Account validation is used for validating creditor/beneficiary account before initiating the actual financial transaction. Validating creditor account beforehand reduces the transactions rejection ratio. After the account is validated the actual fund transfer APIs are required to be called. It validates the existence of the account, status and account name match details etc. Additionally, the account name validation ensures beneficiary Know Your Customer (KYC) requirement while sending the remittance transactions from different jurisdiction of across the globe. This section describes the required information for account validation through NPI.

Method	End-Points	Authorization	Content-Type
POST	(BASE_URL)+/ api/ validatebankaccount	Bearer (access_token)	application/json

Request Parameter:

#	Field Name	Data Type	Length	Description	Presence
1	bankId	String	4	Assigned bank id.	Y
2	accountId	String	20	Bank account number.	Y
3	accountName	String	140	Bank Account name.	Y

Response Parameter:

#	Field Name	Data Type	Length	Description	Presence
1	bankId	String	4	Customer bank id	Y
2	branchId	String	4	Actual branch id.	Y
3	accountId	String	20	Bank account number.	Y
4	accountName	String	140	Bank account name.	C
5	currency	String	3	Bank account currency.	Y
6	responseCode	String	4	Response Code.	Y
7	responseMessage	String	140	Response Message.	Y
8	matchPercentate	Integer	3	Match percentage.	Y
9	baseUrl	String	100	Base Url	O
10	username	String	20	User name.	O
11	password	String	20	User password	O

Sample Request:

{
"bankId":"0401",
"accountId" : "08110017501011",
"accountName" : "MANISHA DHAUBANJAR"
}

Sample response1:

{
    "bankId": "0401",
    "branchId": "81",
    "accountId": "08110017501011",
    "accountName": null,
    "currency": "NPR",
    "responseCode": "000",
    "responseMessage": "Account successfully validated.",
    "matchPercentate": 100,
    "baseUrl": null,
    "userName": null,
    "password": null
}

Sample response2:

{
    "bankId": "0401",
    "branchId": "81",
    "accountId": "08110017501011",
    "accountName": null,
    "currency": "NPR",
    "responseCode": "999",
    "responseMessage": "Some difference in beneficiary account name observed. Transaction once sent is irreversible, please reconfirm the beneficiary account number.",
    "matchPercentate": 94,
    "baseUrl": null,
    "userName": null,
    "password": null
}

Sample response3:

{
    "bankId": "0401",
    "branchId": "81",
    "accountId": "08110017501011",
    "accountName": null,
    "currency": "NPR",
    "responseCode": "523",
    "responseMessage": "Beneficiary Account Name Mismatched.",
    "matchPercentate": 40,
    "baseUrl": null,
    "userName": null,
    "password": null
}

Explanation on Response Codes:

#	Response Code	Description	Remarks
1	000	Account successfully validated. Account 100% Match.	Process the transaction to NPI.
2	999	Some difference in beneficiary account name observed. Refer the account name percentage (match Percentage) in response.	If the match percentage is > 80, process the transaction to NPI. Otherwise stop the transaction for further processing.
3	Not (000 & 999)	Issue with the beneficiary account. Please refer the response message.	Stop the transaction for further processing to NPI.