Bank Verification PDF Report

Endpoint Overview

POST /api/v1/bank-verification/bank-verification-pdf-report

Description

This API allows verification of a bank account using the provided account number and IFSC code. It can also optionally fetch detailed bank information using the IFSC code and generates a downloadable PDF report containing both the bank verification result and bank details.

Key Benefits

Instantly verify account number and IFSC code combination.

Automatically retrieve branch details using IFSC.

Generates a downloadable PDF report for record-keeping.

Supports integration into onboarding or KYC flows.

Use Cases

Fintech

Lending Platforms

Insurance & NBFCs

Automate bank account verification during user onboarding.

Generate audit-ready bank verification reports.

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 API access
Content-Type	Yes	Must be `application/json`

Request Body

Parameter	Type	Required	Description
id_number	string	Yes	Bank account number to verify
ifsc	string	Yes	IFSC code of the bank branch
ifsc_details	boolean	No	Whether to include IFSC-based bank details in PDF

Example Request

{
    "id_number": "623002010019812",
    "ifsc": "UBIN0561234",
    "ifsc_details": true
}

Process Response

Response Parameters

Parameter	Type	Description
data	Object	Contains the verification results
data.client_id	string	Unique identifier for the API call
data.account_number	string	Verified bank account number
data.ifsc	string	IFSC used during verification
data.ifsc_details	object	Bank info fetched via IFSC code (if requested)
data.report_link	string	Link to downloadable PDF report (if generated)
status_code	int	HTTP status code
success	boolean	API call success status
message	string	Response message
message_code	string	Machine-readable message code

ifsc_details (Object)

Parameter	Type	Description
id	int	Identifier for the IFSC record
ifsc	string	IFSC code of the bank branch
micr	string	MICR code of the bank branch
iso3166	string	ISO 3166-2 code representing the state
swift	string	SWIFT code (if available)
bank	string	Name of the bank
bank_code	string	Bank code as per IFSC
bank_name	string	Full name of the bank
branch	string	Bank branch name
centre	string	Centre location of the bank branch
district	string	District where the branch is located
state	string	State where the branch is located
city	string	City where the branch is located
address	string	Complete address of the bank branch
contact	string	Contact number (if available)
imps	boolean	Indicates if IMPS is supported
rtgs	boolean	Indicates if RTGS is supported
neft	boolean	Indicates if NEFT is supported
upi	boolean	Indicates if UPI is supported
micr_check	boolean	Indicates if MICR is verified/available

Example Successful Response

{
    "data": {
        "client_id": "bank_verification_pdf_report_qbxoolMVztzfgesoUTcB",
        "account_number": "623002010019812",
        "ifsc": "UBIN0561234",
        "ifsc_details": {
            "id": 0,
            "ifsc": "UBIN0561234",
            "micr": "110026104",
            "iso3166": "IN-DL",
            "swift": null,
            "bank": "Union Bank of India",
            "bank_code": "UBIN",
            "bank_name": "Union Bank of India",
            "branch": "MUNDKA",
            "centre": "NEW DELHI",
            "district": "NEW DELHI",
            "state": "DELHI",
            "city": "NEW DELHI",
            "address": "SWARN PARK MAIN ROHTAK ROAD MUNDKA NEW DELHI 110041",
            "contact": null,
            "imps": true,
            "rtgs": true,
            "neft": true,
            "upi": true,
            "micr_check": true
        },
        "report_link": "https://aadhaar-kyc-docs.s3.amazonaws.com/karanjeetsingh_console/bank_verification_pdf_report/bank_verification_pdf_report_qbxoolMVztzfgesoUTcB/bank_verification_pdf_report_1746706283664362.pdf?X-Amz-Algorithm=AWS4-HMAC-SHA256&X-Amz-Credential=AKIAY5K3QRM5FYWPQJEB%2F20250508%2Fap-south-1%2Fs3%2Faws4_request&X-Amz-Date=20250508T121123Z&X-Amz-Expires=600&X-Amz-SignedHeaders=host&X-Amz-Signature=b923095e2e5a439c7fbbd6e67755af95bcc51a8c7c4274"
    },
    "status_code": 200,
    "success": true,
    "message": "Success",
    "message_code": "success"
}

Possible Error Responses

Invalid IFSC

Unauthorized Request

Server Error

{
    "status_code": 422,
    "success": false,
    "message": "Invalid IFSC Code.",
    "message_code": "invalid_ifsc"
}

Returned when the account and IFSC combination is invalid or does not exist.

Integration Best Practices

Security Recommendations

Use HTTPS for all requests to ensure data encryption in transit.

Do not hardcode tokens in client-side code; keep tokens secure and rotate periodically.

User Experience Guidelines

Validate IFSC and account number format before API call to reduce failed requests.

Display the PDF download link to users only if the report_link is non-null.

Code Samples

cURL

Python

Node.js

Related APIs

Bank Verification API: Verify account number and IFSC without PDF generation.

IFSC Lookup API: Fetch detailed bank branch info using IFSC.

Account Holder Name Match API: Match account number with holder's name.

Compliance and Legal Considerations

Ensure user consent is obtained before verifying bank accounts. Do not store bank data unless necessary, and comply with regional data protection regulations.

curl --location --request POST 'https://kyc-api.surepass.app/api/v1/bank-verification/bank-verification-pdf-report' \ --header 'Content-Type: application/json' \ --data-raw '{ "id_number": "623002010019812", "ifsc": "UBIN0561234", "ifsc_details": true }'

{ "data": { "client_id": "bank_verification_pdf_report_qbxoolMVztzfgesoUTcB", "account_number": "623002010019812", "ifsc": "UBIN0561234", "ifsc_details": { "id": 0, "ifsc": "UBIN0561234", "micr": "110026104", "iso3166": "IN-DL", "swift": null, "bank": "Union Bank of India", "bank_code": "UBIN", "bank_name": "Union Bank of India", "branch": "MUNDKA", "centre": "NEW DELHI", "district": "NEW DELHI", "state": "DELHI", "city": "NEW DELHI", "address": "SWARN PARK MAIN ROHTAK ROAD MUNDKA NEW DELHI 110041", "contact": null, "imps": true, "rtgs": true, "neft": true, "upi": true, "micr_check": true }, "report_link": "https://aadhaar-kyc-docs.s3.amazonaws.com/karanjeetsingh_console/bank_verification_pdf_report/bank_verification_pdf_report_qbxoolMVztzfgesoUTcB/bank_verification_pdf_report_1746706283664362.pdf?X-Amz-Algorithm=AWS4-HMAC-SHA256&X-Amz-Credential=AKIAY5K3QRM5FYWPQJEB%2F20250508%2Fap-south-1%2Fs3%2Faws4_request&X-Amz-Date=20250508T121123Z&X-Amz-Expires=600&X-Amz-SignedHeaders=host&X-Amz-Signature=b923095e2e5a439c7fbbd6e67755af95bcc51a8c7c4274" }, "status_code": 200, "success": true, "message": "Success", "message_code": "success" }

Bank Verification PDF Report

Bank Verification PDF Report#

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 PDF Report

Description

Use Cases

Technical Implementation

Request Headers

Request Body

Example Request

Response Parameters

Example Successful Response

Possible Error Responses

Integration Best Practices

Code Samples