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Use this endpoint to validate the bank account details via Reverse Penny Drop.
Watch Out!This API is not supported in test mode. Ensure you switch to live mode before proceeding.

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Request

Curl

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Response

Response - Initial

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Parameters

source_account_number mandatory : string Bank account number being validated. For example, 765432123456789. validation_type mandatory : string The method used for validating the bank account. Here, it is upi_intent. reference_id optional : string Unique reference id of the fund account being validated. notes optional : object Key-value pair that can be used to store additional information about the entity. Maximum 15 key-value pairs, 256 characters (maximum) each.

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Parameters

id : string The unique identifier linked to the fund account. For example, fa_00000000000001. entity : string Here it will be fund_account.validation. status : string The status of the fund account validation. For example, in the initial response, it could be created and in the after payment response, completed. utr : string The Unique Transaction Reference number assigned to the ₹1 UPI payment made by the end user. Use this to track or reconcile the transaction. upi_intent : object Contains deep links to launch specific UPI apps directly on the user’s device, allowing them to complete the ₹1 payment without manually entering details. intent_url : string A generic UPI deep link that opens the user’s default or available UPI app to initiate the payment. phonepe_url : string A deep link that launches the PhonePe app directly to complete the payment. gpay_url : string A deep link that launches Google Pay directly to complete the payment. paytm_url : string A deep link that launches the Paytm app directly to complete the payment. bhim_url : string A deep link that launches the BHIM app directly to complete the payment. encoded_qr_code : string A Base64-encoded QR code image. Display this on your interface so users can scan it using any UPI app to complete the ₹1 payment. validation_results : object Contains the verified account details extracted from the payer’s bank after the ₹1 payment is received. account_status : string Indicates whether the bank account is active and valid. Possible values: active, inactive. registered_name : string The account holder’s full name as registered with their bank. validated_account_type : string The type of account validated during the transaction. Possible values: bank_account, vpa. name_match_score : integer A numeric score indicating how closely the account holder’s registered name matches the name provided during the request. bank_account : object Contains the verified bank account details of the payer. bank_routing_code : string The IFSC code of the payer’s bank branch, used to identify and route transactions to the correct bank. account_number : string The payer’s bank account number, as retrieved from the bank. bank_name : string The name of the payer’s bank. account_type : string The type of bank account held by the payer. Possible values: Savings, Current. status_details : object Contains details about the status of the validation. description : string A short note about the validation status. source : string The source from which the validation was done. reason : string Reason for the validation. reference_id : string Unique reference id generated for the validation. notes : object Key-value pair that can be used to store additional information about the entity. Maximum 15 key-value pairs, 256 characters (maximum) each.