Bank Verification APIs
Verify bank account ownership and look up IFSC branch details. These APIs support both penny drop (₹1 deposit) and penny-less (API-based) verification methods — essential for payroll processing, vendor payments, loan disbursement, and e-commerce refunds.
Use cases
| Industry | Use case |
|---|---|
| HR & payroll | Confirm employee bank details before salary processing |
| Finance teams | Validate vendor/partner bank accounts before disbursing payments |
| Banks & NBFCs | Verify borrower bank details for loan disbursement |
| E-commerce | Validate customer accounts before processing refunds |
| Fintech platforms | Automate account verification for user onboarding |
| Insurance | Verify policyholder accounts for claim payouts |
Available endpoints
| Endpoint | Method | Path | Description |
|---|---|---|---|
| Account Verification (Penny Drop) | POST | /vas-api/v1/account-verification-pd | Verify by depositing ₹1 — returns beneficiary name |
| Account Verification (Penny-less) | POST | /vas-api/v1/account-verification-pl | Verify without deposit — faster and lower cost |
| IFSC Lookup | GET | /vas-api/v1/ifsc-details | Get bank name, branch, address, and payment channel support |
Authentication
All Bank Verification endpoints require an OAuth2 Bearer token. You need to:
- Sign up for a developer account
- Get an access token using your client credentials
- Include the token in every request:
Authorization: Bearer YOUR_ACCESS_TOKEN
Quick example
Verify a bank account using the penny-less method:
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"}'Some validation errors return HTTP 200
The Bank Account Verification APIs may return validation errors (Invalid Account Number, Invalid IFSC) with HTTP 200 status code. Always check the response body for error indicators. See Bank Verification Error Codes for details.
Error handling
See Bank Verification Error Codes for the complete list, or the Error Handling Guide for retry patterns.
What's next
- Account Verification (Penny Drop) — Most reliable verification method
- Account Verification (Penny-less) — Faster, no deposit needed
- Quick Start — Make your first API call in under 10 minutes
- Error Codes — All bank-specific error codes
- Changelog — Version history