Silent account verification
POST
https://api.staging.indiconnect.in/idverifygr/verification
Last modified:2026-10-05 09:26:09
It performs a verification call to the specified bank account and interprets the response received from NPCI systems.
payout verification, and fraud prevention. As a non-penny based solution, it helps reduce transaction costs while maintaining
verification accuracy.
verification status, beneficiary name, transaction reference number (RRN), and response 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 |
|---|---|---|
clientRefId | String | Unique client reference ID for tracking the request |
mobileNumber | String | Registered mobile number of the account holder |
accountHolderName | String | Name of the account holder for validation |
narration | String | Transaction narration or remark |
toAccountNo | String | Bank account number to be verified |
ifsc | String | IFSC code of the bank branch |
documentType | String | Specifies the verification type (Silent Account Verification) |
Response Fields
| Field | Description |
|---|---|
ok | Indicates whether the request was successful (true / false) |
message | Status message describing the result of the verification |
result.status | Overall verification status (e.g., SUCCESS/FAILED) |
result.response_code | Response code returned by NPCI/bank |
result.response_msg | Response message indicating transaction result |
result.trans_date_time | Date and time of the verification transaction |
result.beneficiary_name | Name of the account holder returned after verification |
result.rrn | Retrieval Reference Number (RRN) for the transaction |
result.client_ref_id | Client reference ID provided in the request |
error | Contains error details if verification fails |
Use Cases
- Cost-effective bank account verification
- Customer onboarding and KYC validation
- Payout and beneficiary verification
- Fraud prevention without initiating transactions
Key Benefits
- No penny drop required (cost-efficient)
- Fast and reliable verification via NPCI
- Returns beneficiary details and transaction reference
- Easy integration with existing systems
Request
Header Params
Body Params application/jsonRequired
Responses
Request Request Example
Shell
JavaScript
Java
Swift
curl --location 'https://api.staging.indiconnect.in/idverifygr/verification' \
--header 'myAppId: verification_v2_1_app' \
--header 'service-key: sk_test_bf78b31a4b9275ca' \
--header 'Authorization: x-api-access indc_test_8cdbb53b09f50c3c:ac_test_bd6e115254f11a58' \
--header 'providercode: LLOK77FI' \
--header 'Content-Type: application/json' \
--data '{
"query": "mutation {\r\n verify(\r\n input: {\r\n documentType: \"Silent Account Verification\"\r\n mobileNumber: \"9000000003\"\r\n accountHolderName: \"ROHAN RAJESH SHARMA\"\r\n narration: \"test-verification\"\r\n toAccountNo: \"45678901234\"\r\n ifsc: \"HDFC0001234\"\r\n }\r\n ) {\r\n ok\r\n message\r\n result {\r\n __typename\r\n ... on SilentAccountVerificationResult {\r\n status\r\n response_code\r\n response_msg\r\n trans_date_time\r\n beneficiary_name\r\n rrn\r\n client_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": "SilentAccountVerificationResult",
"status": "SUCCESS",
"response_code": "00",
"response_msg": "SUCCESS",
"trans_date_time": "05/10/2026 14:45:32",
"beneficiary_name": "Mr ROHAN RAJESH SHARMA",
"rrn": "725814639207",
"client_ref_id": "CLREF20261005001"
}
}
}
}Modified at 2026-10-05 09:26:09