Bank Verification Mobile

Endpoint Overview

POST /api/v1/bank-verification/bank-verification-mobile

Description

This API enables you to verify bank account details and retrieve comprehensive information about a bank account holder using just their mobile number. It returns the account holder's name, IFSC code, account type, and detailed information about the bank branch including address, contact information, and available payment services (IMPS, RTGS, NEFT, UPI).

Key Benefits

Verify bank account ownership with minimal input (just a mobile number)

Retrieve complete bank branch details including address and contact information

Confirm available payment services (IMPS, RTGS, NEFT, UPI) for the account

Validate account type and entity information for KYC compliance

Use Cases

Financial Services

FinTech

E-commerce

Verify customer bank account details during loan application processing

Streamline KYC verification for new account openings

Validate payment recipient details before processing high-value transactions

Technical Implementation

Authentication

All API requests require authentication using a JWT Bearer token. Authentication follows these steps:

Obtain API Credentials: Register with Surepass to receive your API key.

Generate JWT Token: Use your API key to generate a JWT token.

Include in Requests: Add the token to the Authorization header as Bearer TOKEN.

Different authentication tokens are used for sandbox and production environments:

Sandbox: https://sandbox.surepass.io

Production: https://kyc-api.surepass.io

Request Parameters

Request Headers

Header	Required	Description
Authorization	Yes	Bearer token for authentication (JWT format)
Content-Type	Yes	application/json

Request Body

Parameter	Type	Required	Description
mobile_number	String	Yes	The mobile number of the applicant whose bank details need to be verified

Example Request

{
    "mobile_number": "8079012345"
}

Process Response

Response Parameters

Parameter	Type	Description
data	Object	Contains all the verification details
data.client_id	String	Unique identifier for the verification request
data.mobile_number	String	The mobile number that was verified
data.name	String	Full name of the account holder
data.ifsc	String	IFSC code of the bank branch
data.vpa	String	Virtual Payment Address associated with the account
data.account_type	String	Type of bank account (e.g., SAVINGS, CURRENT)
data.entity_type	String	Type of entity (e.g., INDIVIDUAL)
data.ifsc_details	Object	Detailed information about the bank branch
data.ifsc_details.bank	String	Name of the bank
data.ifsc_details.ifsc	String	IFSC code of the bank branch
data.ifsc_details.branch	String	Name of the branch
data.ifsc_details.centre	String	Center location
data.ifsc_details.district	String	District where the branch is located
data.ifsc_details.state	String	State where the branch is located
data.ifsc_details.address	String	Complete address of the bank branch
data.ifsc_details.contact	String	Contact number of the bank branch
data.ifsc_details.imps	Boolean	Whether IMPS service is available
data.ifsc_details.rtgs	Boolean	Whether RTGS service is available
data.ifsc_details.city	String	City where the branch is located
data.ifsc_details.iso_3166	String	ISO 3166 code for the state
data.ifsc_details.neft	Boolean	Whether NEFT service is available
data.ifsc_details.upi	Boolean	Whether UPI service is available
status_code	Integer	HTTP status code of the response
success	Boolean	Indicates if the request was successful
message	String	Response message
message_code	String	Code representing the response message

Example Successful Response

{
    "data": {
        "client_id": "bank_verification_mobile_EiBhecggAlvwntiehWHg",
        "mobile_number": "8079012345",
        "name": "Vishal Singh Rathore",
        "ifsc": "FDRL0007777",
        "vpa": "8079012345@vishal",
        "account_type": "SAVINGS",
        "entity_type": "INDIVIDUAL",
        "ifsc_details": {
            "bank": "Federal Bank",
            "ifsc": "FDRL0007777",
            "branch": "NEO BANKING - JUPITER",
            "centre": "KOCHI",
            "district": "KOCHI",
            "state": "KERALA",
            "address": "FINTECH PARTNERSHIPS,THE FEDERAL BANK LTD,GROUND FLOOR,INTEGRATED START UP COMPLEX (ISC),KERALA TECHNOLOGY INNOVATION ZONE,KINFRA HITECH PARK,HMT",
            "contact": "+914842630994",
            "imps": true,
            "rtgs": true,
            "city": "ERNAKULAM",
            "iso_3166": "IN-KL",
            "neft": true,
            "upi": true
        }
    },
    "status_code": 200,
    "success": true,
    "message": "Success",
    "message_code": "success"
}

Possible Error Responses

Invalid Mobile Number

Authentication Error

Server Error

{
    "errors": {
        "mobile_number": "Mobile Number Mobile should not start with 0 and should be of length 10"
    },
    "message": "Input payload validation failed"
}

The mobile number provided is not in a valid format. Ensure it's a 10-digit Indian mobile number.

Integration Best Practices

Security Recommendations

Store API keys securely and never expose them in client-side code

Implement proper error handling to avoid exposing sensitive information

Use HTTPS for all API communications to ensure data encryption

Implement rate limiting on your end to prevent abuse of the API

User Experience Guidelines

Implement proper validation for mobile numbers before making API calls

Display a clear loading state while waiting for API response

Provide clear error messages to users when verification fails

Consider caching verified information (securely) to reduce repeated API calls

Code Samples

cURL

Python

Node.js

Related APIs

Bank Account Verification by Account Number - Verify bank account details using account number and IFSC

IFSC Code Verification - Retrieve bank branch details using IFSC code

UPI ID Verification - Verify UPI ID and retrieve associated account details

Compliance and Legal Considerations

This API handles sensitive financial information and must be used in compliance with data protection regulations. Ensure you have proper consent from users before verifying their bank details. The information retrieved should be handled securely and used only for the intended verification purposes. Usage of this API may be subject to RBI (Reserve Bank of India) guidelines for financial data handling.

curl --location --request POST 'https://kyc-api.surepass.app/api/v1/bank-verification/bank-verification-mobile' \ --header 'Content-Type: application/json' \ --data-raw '{ "mobile_number": "8079012345" }'

{ "data": { "client_id": "bank_verification_mobile_EiBhecggAlvwntiehWHg", "mobile_number": "8079012345", "name": "Vishal Singh Rathore", "ifsc": "FDRL0007777", "vpa": "8079012345@vishal", "account_type": "SAVINGS", "entity_type": "INDIVIDUAL", "ifsc_details": { "bank": "Federal Bank", "ifsc": "FDRL0007777", "branch": "NEO BANKING - JUPITER", "centre": "KOCHI", "district": "KOCHI", "state": "KERALA", "address": "FINTECH PARTNERSHIPS,THE FEDERAL BANK LTD,GROUND FLOOR,INTEGRATED START UP COMPLEX (ISC),KERALA TECHNOLOGY INNOVATION ZONE,KINFRA HITECH PARK,HMT", "contact": "+914842630994", "imps": true, "rtgs": true, "city": "ERNAKULAM", "iso_3166": "IN-KL", "neft": true, "upi": true } }, "status_code": 200, "success": true, "message": "Success", "message_code": "success" }

Bank Verification Mobile

Bank Verification Mobile#

Description#

Use Cases#

Technical Implementation#

Request Headers#

Request Body#

Example Request#

Response Parameters#

Example Successful Response#

Possible Error Responses#

Integration Best Practices#

Code Samples#

Request

Responses

Bank Verification Mobile

Description

Use Cases

Technical Implementation

Request Headers

Request Body

Example Request

Response Parameters

Example Successful Response

Possible Error Responses

Integration Best Practices

Code Samples