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  1. Create a Contact.
  2. Add a Fund account to the Contact.
  3. Validate the Contact’s Fund account.
  4. Make payouts. You can validate your Contact’s Fund account/s using the following Validation APIs.
Watch Out!You must allowlist your IPs to use the Account Validation APIs.

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Account Validation APIs

Account Validation APIs validate previously created Contact’s Fund accounts. You can create a Contact and Fund Account from the RazorpayX Dashboard or using the APIs. The table below lists the various endpoints and gives a brief description of each:

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API Endpoint | Description

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Create a Contact | Creates a Contact.

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Create Fund account (Bank account) | Creates a Fund account of the type bank account.

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Validate a Bank Account | Validates the Contact’s bank account information.

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Create Fund account (VPA) | Creates a Fund account of the type VPA.

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Validate a VPA | Validate the Contact’s Virtual Payment Address (VPA)/UPI account information.

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Validate VPA using Reverse Penny Drop | Validate a bank account using Reverse Penny Drop

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Fetch all Account Validation Transactions | Retrieves all account validation transactions.

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Fetch an Account Validation Transaction with ID | Retrieves a single account validation transaction with ID.

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Composite Account Validation APIs

With Composite Account Validation, you can use a single API to perform all the actions at once, including account validation. This is useful to create new Contacts and Fund accounts immediately. You can create a Contact and Fund Account from the RazorpayX Dashboard as well. The table below lists the various endpoints and gives a brief description of each:

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API Endpoint | Description

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Validate a Bank Account | Create Contact, Fund Account with bank details and Validate the Contact’s bank account information in a single API call.

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Validate a VPA | Create Contact, Fund Account with VPA and Validate the Contact’s bank account information in a single API call.

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Fetch all Account Validation Transactions | Retrieves all account validation transactions.

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Fetch an Account Validation Transaction with ID | Retrieves a single account validation transaction with ID.