Account Verification (Penny-less)

Verify a bank account without depositing any amount. Uses API-based verification to confirm account ownership and retrieve the beneficiary name, verification status, and IFSC branch details.

Endpoint

POST /vas-api/v1/account-verification-pl

Authentication

Requires OAuth2 Bearer token. Get your credentials →

Request

Headers

Header	Type	Required	Description
Authorization	string	Yes	Bearer YOUR_ACCESS_TOKEN
Content-Type	string	Yes	application/json

Body parameters

Field	Type	Required	Description	Example
accountNumber	string	Yes	Bank account number	1234567890123456
ifscNumber	string	Yes	11-character IFSC code (4 letters + 0 + 6 characters)	SBIN0001234

Example request

curl

curl -X POST https://api.api4business.com/vas-api/v1/account-verification-pl \
  -H "Authorization: Bearer YOUR_ACCESS_TOKEN" \
  -H "Content-Type: application/json" \
  -d '{"accountNumber": "1234567890123456", "ifscNumber": "SBIN0001234"}'

Python

import requests

response = requests.post(
  "https://api.api4business.com/vas-api/v1/account-verification-pl",
  headers={
    "Authorization": "Bearer YOUR_ACCESS_TOKEN",
    "Content-Type": "application/json"
  },
  json={
    "accountNumber": "1234567890123456",
    "ifscNumber": "SBIN0001234"
  }
)
print(response.json())

Node.js

const response = await fetch(
  "https://api.api4business.com/vas-api/v1/account-verification-pl",
  {
    method: "POST",
    headers: {
      "Authorization": "Bearer YOUR_ACCESS_TOKEN",
      "Content-Type": "application/json"
    },
    body: JSON.stringify({
      accountNumber: "1234567890123456",
      ifscNumber: "SBIN0001234"
    })
  }
);
console.log(await response.json());

Java

HttpClient client = HttpClient.newHttpClient();
HttpRequest request = HttpRequest.newBuilder()
  .uri(URI.create("https://api.api4business.com/vas-api/v1/account-verification-pl"))
  .header("Authorization", "Bearer YOUR_ACCESS_TOKEN")
  .header("Content-Type", "application/json")
  .POST(HttpRequest.BodyPublishers.ofString(
    "{\"accountNumber\": \"1234567890123456\", \"ifscNumber\": \"SBIN0001234\"}"))
  .build();
HttpResponse<String> response = client.send(request, HttpResponse.BodyHandlers.ofString());
System.out.println(response.body());

Response

Success (200)

Field	Type	Description
ok	boolean	true if the request was successful
responseCode	number	HTTP status code
message	string	Status message (Transmission OK)
body.accountNumber	string	The account number that was verified
body.beneficiaryName	string	Name of the account holder as registered with the bank
body.verificationStatus	string	Verification result: VERIFIED or NOT_VERIFIED
body.transactionRemark	string	Transaction status message
body.isPennyDrop	boolean	Always false for penny-less verification
body.ifscDetails.ifsc	string	IFSC code of the branch
body.ifscDetails.name	string	Bank name
body.ifscDetails.branch	string	Branch name
body.ifscDetails.district	string	District of the branch
body.ifscDetails.state	string	State of the branch
body.ifscDetails.city	string	City of the branch
body.ifscDetails.imps	boolean	Whether IMPS is supported
body.ifscDetails.rtgs	boolean	Whether RTGS is supported
body.ifscDetails.neft	boolean	Whether NEFT is supported
body.ifscDetails.upi	boolean	Whether UPI is supported

Example response

{
  "ok": true,
  "responseCode": 200,
  "message": "Transmission OK",
  "body": {
    "accountNumber": "1234567890123456",
    "beneficiaryName": "Sample Account Holder",
    "transactionRemark": "Transaction Successful",
    "verificationStatus": "VERIFIED",
    "isPennyDrop": false,
    "ifscDetails": {
      "ifsc": "SBIN0001234",
      "name": "State Bank of India",
      "branch": "Mumbai Main",
      "district": "Mumbai",
      "state": "MAHARASHTRA",
      "city": "Mumbai",
      "imps": true,
      "rtgs": true,
      "neft": true,
      "upi": true,
      "micr": "400002001",
      "iso3166": "IN-MH",
      "swift": null
    }
  }
}

Response headers

Header	Description
x-request-id	Unique request identifier — log this for debugging and support

Error responses

Status	Error Code	Message	Resolution
400	400	Invalid Account Number	Verify the account number format and length
400	400	Invalid Request	Check that JSON body contains accountNumber and ifscNumber
401	401	Invalid Credentials	Your access token is expired or invalid — request a new one
429	429	Quota Violation	Rate limit exceeded — implement exponential backoff
500	500	Internal Server Error	Server-side issue — retry after 1-5 seconds
503	503	Service Not Available	Upstream bank service temporarily down — retry with backoff

Some validation errors return HTTP 200

This API may return validation errors with HTTP 200 status. Always check the response body:

{
  "errorCode": 200,
  "errorType": "proxy",
  "errorMessage": "Invalid Account Number"
}

Other 200-status errors include Invalid IFSC, Bank IFSC must be 11 characters, and Daily Transaction Limit exhausted.

Penny-less vs penny drop

Feature	Penny-less (this API)	Penny Drop
Deposit amount	None (₹0)	₹1 deposited
Speed	Faster	Slightly slower (bank transfer)
Cost	Lower per-call cost	Higher per-call cost
isPennyDrop field	false	true
Response schema	Identical	Identical

Related

• Account Verification (Penny Drop) — Verify with ₹1 deposit
• IFSC Lookup — Look up branch details by IFSC
• Bank Verification Overview
• Error Handling Guide