Bank Account Verification - PennyDrop
POST
https://api.staging.indiconnect.in/idverifygr/verification
Last modified:2026-04-02 12:12:58
(penny drop) to the specified account. This process helps confirm the validity of the account and the account holder’s name.
and fraud prevention. By integrating this API, businesses can ensure that the provided bank account details are accurate and active.
verification status, beneficiary name, and transaction reference details.
Request Headers
| Header | Description |
|---|---|
myAppId | Application identifier used for service authentication |
service-key | Unique service key provided for accessing the verification service |
Authorization | API authorization credentials for secure access |
Content-Type | Specifies the request payload format (application/json) |
Request Parameters
| Parameter | Type | Description |
|---|---|---|
accountNumber | String | Bank account number to be verified |
ifsc | String | IFSC code of the bank branch |
accountHolderName | String | Name of the account holder for validation |
mobileNumber | String | Registered mobile number (if applicable) |
documentType | String | Specifies the verification type (Bank Account Verification Penny Drop) |
Response Fields
| Field | Description |
|---|---|
ok | Indicates whether the request was successful (true / false) |
message | Status message describing the result of the verification |
result.request_id | Unique request identifier for tracking |
result.response_code | Response code returned by the bank or partner system |
result.response_message | Response message indicating success or failure |
result.status_code | Status code of the transaction |
result.status_message | Detailed status message for the transaction |
result.beneficiary_name | Name of the account holder returned after verification (if successful) |
result.transaction_ref_no | Transaction reference number for the penny drop |
result.network_txn_ref_id | Network transaction reference ID (if available) |
error | Contains error details if verification fails |
Use Cases
- Bank account verification during customer onboarding
- Payout and beneficiary validation
- KYC and compliance checks
- Fraud prevention in financial transactions
Key Benefits
- Real-time bank account validation
- Ensures correct beneficiary details
- Reduces transaction failures and fraud risks
- Easy integration with financial systems
Request
Header Params
Body Params application/jsonRequired
Responses
Request Request Example
Shell
JavaScript
Java
Swift
curl --location --request POST 'https://api.staging.indiconnect.in/idverifygr/verification' \
--header 'myAppId: verification_v1' \
--header 'service-key: sk_test_a9944179bc598f06' \
--header 'Authorization: x-api-access indc_test_a41eaf2a175f3b13:ac_test_bf7117f6da6c6285' \
--header 'Content-Type: application/json' \
--data-raw '{
"query": "mutation VerifyBankAccount {\r\n verify(\r\n input: {\r\n accountNumber: \"578102010017433\"\r\n ifsc: \"UBIN0557811\"\r\n accountHolderName: \"TUSHAR BALU PATIL\"\r\n mobileNumber: \"9890183118\"\r\n documentType: \"Bank Account Verification Penny Drop\"\r\n }\r\n ) {\r\n ok\r\n message\r\n result {\r\n __typename\r\n ... on BankAccountPennyDropResult {\r\n request_id\r\n response_code\r\n response_message\r\n status_code\r\n status_message\r\n beneficiary_name\r\n transaction_ref_no\r\n network_txn_ref_id\r\n }\r\n }\r\n }\r\n}\r\n",
"variables": {}
}'Response Response Example
{
"data": {
"verify": {
"ok": true,
"message": "Verification completed successfully",
"result": {
"__typename": "BankAccountPennyDropResult",
"request_id": "118597457182",
"response_code": "99",
"response_message": "Failed",
"status_code": "PartnerTxnPending",
"status_message": "Error while processing cbs request.",
"beneficiary_name": null,
"transaction_ref_no": "BENEVALa52c15885aae8bf1a1956bca95b896f2",
"network_txn_ref_id": null
}
}
}
}Modified at 2026-04-02 12:12:58