Account Number

Bank account number verification service which returns the name of the bank account holder by inputting bank account number and IFSC. Works for all IMPS & UPI enabled banks.

Header Parameters

Name

Type

Description

Mandatory (M) , Optional (O)

Provided by INSTANTPAY (Y/N)

X-Ipay-Auth-Code

String

Auth Code -1 (Fixed)

M

Y

X-Ipay-Client-Id

String

Unique Client ID

M

Y

X-Ipay-Client-Secret

String

Unique secret key

M

Y

X-Ipay-Endpoint-Ip

String

Unique secret key

M

N

Request Parameters

Name

Type

Mandatory (M) , Optional (O)

Description

accountNumber

String

M

Account Number of End User

bankIfsc

String

M

IFS Code of Bank

externalRef

String

M

Your Unique Transaction Id

consent

String

M

It will be Y always

isCached

String

M

It will be true or false and It will be boolean

latitude

String

M

End Customer Latitude, Represented in
degrees with 4 digits after decimal

longitude

String

M

End Customer Longitude, Represented in
degrees with 4 digits after decimal

Sample Request for Bank Account Verification

curl --location --request POST 'https://api.instantpay.in/identity/verifyBankAccount' \
--header 'X-Ipay-Auth-Code: {{authCode}}' \
--header 'X-Ipay-Client-Id: {{clientId}}' \
--header 'X-Ipay-Client-Secret: {{clientSecret}}' \
--header 'X-Ipay-Endpoint-Ip: {{endPointIP}}' \
--header 'Content-Type: application/json' \
--data-raw '{
    "payee" : {
        "accountNumber" : "XXXXXXXXXXXX",
        "bankIfsc" : "XXXXXXXXX"
    },
    "externalRef" : "PPT2",
    "consent" : "Y",
    "isCached": "0"
    "latitude" : "20.5936",
    "longitude" : "78.9628"
}'
POST /identity/verifyBankAccount HTTP/1.1
Host: api.instantpay.in
X-Ipay-Auth-Code: {{authCode}}
X-Ipay-Client-Id: {{clientId}}
X-Ipay-Client-Secret: {{clientSecret}}
X-Ipay-Endpoint-Ip: {{endPointIP}}
Content-Type: application/json

{
    "payee" : {
        "accountNumber" : "XXXXXXXXXXXX",
        "bankIfsc" : "XXXXXXXXX"
    },
    "externalRef" : "PPT2",
    "consent" : "Y",
    "isCached": "0"
    "latitude" : "20.5936",
    "longitude" : "78.9628"
}

📘

Note :

If you have passed isCached false, It will be verified from bank
If you have passed isCached true,It will be verified from InstantPay

If isCached is true and Instantpay not able to provide the Verification then It will be automatically verified by the Bank and Charges will be debited for the Bank.

Response Parameters

Name

Type

Description

statuscode

String

InstantPay Status Code

actcode

String

Action Code

status

String

Status message

data

Array

Response Data (If Present)

timestamp

String

Response time (YYYY-MM-DD HH:MM:SS)

ipay_uuid

String

Request reference number

orderid

String

Transaction Id ( If transaction otherwise it is null )

environment

String

Live/Sandbox

Sample Response for Bank Account Verification

{
    "statuscode": "TXN",
    "actcode": null,
    "status": "Transaction Successful",
    "data": {
        "externalRef": "PPT2",
        "poolReferenceId": "121110*****UVV",
        "txnValue": "0.00",
        "txnReferenceId": "12111031*****AUVV",
        "pool": {
            "account": "",
            "openingBal": "5167.21",
            "mode": "DR",
            "amount": "1.18",
            "closingBal": "5166.03"
        },
        "payer": {
            "account": "97****260",
            "name": "SHWETA STORE"
        },
        "payee": {
            "account": "0******6",
            "name": "***"
        },
        "isCached": true
    },
    "timestamp": "2021-11-03 10:51:29",
    "ipay_uuid": "h06894c92882-3379-4b8c-8980-ff7a03941f47",
    "orderid": "12111*******AUVV",
    "environment": "LIVE"
}

Sandbox Values for Bank Account Verification

You can make test payments using the credentials mentioned below. The deducted amount from the Instantpay wallet will be refunded in T+1 working days as this is a testing transaction. Make sure you entered the correct keys in the request.

Name

Value

Results

accountNumber

1111111111

Transaction Successful

accountNumber

0000000000

Transaction Under Process

accountNumber

Any Value

Transaction Failed

Note: For Sandbox, bankIfsc can be any IFS Code.

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