Bank Account Validation

Validate bank account details and confirm the account holder. This page documents the Bank Account Validation module, including its variants, capabilities, and the result values it returns.

Bank Account Validation: EU BAV

EU Bank Account Validation check

Capabilities

The module returns the following capabilities.

Account exists and active confirmed only

Account Exists And Active Confirmed Only

Code	Label	Description
`Y`	Yes	Yes
`N`	No	No

Account number format validation only

Account Number Format Validation Only

Code	Label	Description
`Y`	Yes	Yes
`N`	No	No

Account number format validation unsuccessful

Account Number Format Validation Unsuccessful

Code	Label	Description
`Y`	Yes	Yes
`N`	No	No

Creditor account details could not be validated

Creditor Account Details Could Not Be Validated

Code	Label	Description
`Y`	Yes	Yes
`N`	No	No

Creditor account in flagged status of closed dormant or blocked

Creditor Account In Flagged Status Of Closed Dormant Or Blocked

Code	Label	Description
`Y`	Yes	Yes
`N`	No	No

Creditor account information not found in response

Creditor Account Information Not Found In Response

Code	Label	Description
`Y`	Yes	Yes
`N`	No	No

Creditor agent Id invalid unable to lookup provider

Creditor Agent Id Invalid Unable To Lookup Provider

Code	Label	Description
`Y`	Yes	Yes
`N`	No	No

Creditor name match could not be completed

Creditor Name Match Could Not Be Completed

Code	Label	Description
`Y`	Yes	Yes
`N`	No	No

Invalid or missing registration Id

Invalid Or Missing Registration Id

Code	Label	Description
`Y`	Yes	Yes
`N`	No	No

Match score

Name match score 0-100, scaled from the supplier’s 0-1 value and rounded. Only present on response code 2000; the supplier’s raw value is carried in notes as matchScoreRaw. Band the result with Supplier Decision rather than with this number - the supplier’s banding is not a fixed range of scores.

Detail	Description
Type	Integer
Range	0–100
Default	`0`

Reason code

Extra Reason Code. 0 = not supplied (the default; iPiD does not define a code 0 and only returns a reason code on some responses). 1 = Account Invalid. 2 = Out of Coverage of Bank.

Detail	Description
Type	Integer
Range	0–2
Default	`0`

Supplier decision

Supplier Decision

Code	Label	Description
`Strong Match`	Strong Match	Strong Match
`Partial Match`	Partial Match	Partial Match
`Weak Match`	Weak Match	Weak Match
`unrecognised value`	unrecognised value	unrecognised value

IBAN match

IBAN Match Flag

Code	Label	Description
`match`	match	match
`mismatch`	mismatch	mismatch
`unrecognised value`	unrecognised value	unrecognised value
`not available`	not available	not available

Default outcomes

The following default outcomes are available for evaluation and routing in the Journey builder.

Outcome	Condition	Description
`Strong Match`	Supplier Decision is `Strong Match`	The data source finds a strong match between the subject’s name and the account holder’s name.
`Partial Match`	Supplier Decision is `Partial Match`	The data source finds a partial match between the subject’s name and the account holder’s name.
`Error`	An error occurs during processing	A system or data source error stopped the check from completing.
`Weak Match`	Supplier Decision is `Weak Match`	The data source finds only a weak match between the subject’s name and the account holder’s name.
`Match Score Unknown`	Default, when no conditions matched	The data source doesn’t return a recognised match decision, so the module can’t rate the name match.

Input payload

The following is a sample payload used to submit data to the EU BAV module for processing.

JSON

{
  "context": {
    "config": {
      "_mockMode": "on"
    },
    "subject": {
      "identity": {
        "firstName": "Partial",
        "middleNames": [
          "Partial"
        ],
        "lastNames": [
          "Match"
        ]
      },
      "accounts": [
        {
          "type": "bankAccount",
          "iban": "IT60X0542811101000000123456"
        }
      ]
    }
  }
}

Field	Required	Description
`FullName/firstName`	Yes	The subject’s first name.
`FullName/middleNames`	No	Any additional registered names of the subject.
`FullName/lastNames`	Yes	The subject’s last name or names.
`FullName/title`	No	The subject’s title, for example, Mr, Ms, or Dr.
`BankAccount/accountNumber`	No	The bank account number.
`BankAccount/sortCode`	No	The sort code of the bank branch that holds the account.
`BankAccount/routingNumber`	No	The routing number of the bank that holds the account.
`BankAccount/iban`	Yes	The International Bank Account Number (IBAN) of the account to validate.
`BankAccount/bic`	No	The Bank Identifier Code, or SWIFT code, of the bank that holds the account.
`BankAccount/accountHolderName`	No	The name of the account holder as registered with the bank.
`BankAccount/bankName`	No	The name of the bank that holds the account.
`BankAccount/country`	No	The country of the bank that holds the account.
`BankAccount/accountType`	No	The type of bank account.

Sample response

The following is a sample response returned by the module.

JSON

{
  "response": {
    "outcome": "Partial Match",
    "advice": {}
  }
}

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