Bank Account Verification API
Confirm the account holder's name before you send money — penny-drop or penny-less.
Bank Account Verification (Advance)
Sandbox readycharged only for successful calls
- Prepaid wallet with automatic refunds
- Free sandbox keys for testing
- IP whitelisting, signed requests and webhooks
Pay the right person, every time
Send an account number and IFSC and get the registered holder's name back. Penny-drop deposits ₹1 to confirm the account is active; penny-less checks without moving money. A card BIN check identifies the bank and card type.
- Advance, simple, penny-drop, penny-less
- 4 checks
- Returned by the bank
- Holder name
- Flat fee
- Pay per check
What you get with the Bank Account Verification API
Penny-drop
₹1 deposit confirms the account is live.
Penny-less
Name check without a transaction.
Card BIN check
Bank, network and card type.
Prepaid wallet
Each call is debited at your rate; failed calls are refunded automatically.
Secure by default
Hashed API keys, IP whitelist and optional HMAC request signing.
Panel or API
Use it from the Recharge & services panel, or integrate the REST API.
Go live in four steps
Send ID
Account number and IFSC.
Checked at source
Government or bank records.
JSON result
Name, status and details in seconds.
Logged
Every check in your transaction log.
Frequently asked questions
Penny-drop or penny-less?
Penny-drop proves the account accepts credits; penny-less is faster and cheaper when a name match is enough.
Can I test before paying?
Yes. Create a free sandbox key and try every call; live keys need a package and wallet balance.
Can I use it without coding?
Yes. Every service is available in the Recharge & services panel of your client area.
Am I charged for failed calls?
Calls that fail because of a technical error are refunded to your wallet automatically.
Start using the Bank Account Verification API
Create a free account, test with sandbox keys and go live as soon as you are ready.