Bank Verification Pennyless

Endpoint Overview

POST /api/v1/bank-verification/pennyless

Description

The Bank Verification Pennyless API enables you to validate bank account details without performing a penny drop transaction. This API verifies the existence of a bank account, retrieves account holder information, and provides comprehensive IFSC code details including branch information, supported payment methods, and contact details.

Unlike traditional penny drop verification that requires an actual transaction, this method offers a faster, more cost-effective solution for bank account validation while still providing reliable verification results.

Key Benefits

Cost-Effective Verification: Validate bank accounts without the transaction fees associated with penny drop verification

Comprehensive IFSC Details: Access detailed information about bank branches, including address, contact information, and supported payment methods

Quick Validation: Get instant verification results without waiting for transaction processing

UPI Information: Retrieve UPI ID associated with the bank account when available

Use Cases

Financial Services

Payment Platforms

HR & Payroll

Verify customer bank accounts during onboarding processes

Validate bank details before setting up recurring payments or direct debits

Confirm account ownership during loan application processing

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
id_number	String	Yes	Bank account number to be verified
ifsc	String	Yes	IFSC code of the bank branch
ifsc_details	Boolean	No	Set to true to include detailed IFSC information in the response

Example Request

{
    "id_number": "520121240890827",
    "ifsc": "CNRB0002481",
    "ifsc_details": true
}

Process Response

Response Parameters

Parameter	Type	Description
data	Object	Contains the verification results and account details
data.client_id	String	Unique identifier for the verification request
data.account_exists	Boolean	Indicates whether the account exists (true) or not (false)
data.upi_id	String	UPI ID associated with the bank account (null if not available)
data.full_name	String	Name of the account holder
data.remarks	String	Additional information or notes about the verification
data.ifsc_details	Object	Detailed information about the bank branch (if requested)
status_code	Integer	HTTP status code of the response
success	Boolean	Indicates whether the API call was successful
message	String	Additional message about the API response (null if no message)
message_code	String	Code indicating the status of the request

IFSC Details Object

Parameter	Type	Description
id	Integer	Unique 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 country and state code
swift	String	BIC/SWIFT code for international transfers
bank	String	Name of the bank
bank_code	String	Code identifying the bank
bank_name	String	Full name of the bank
branch	String	Name of the branch
centre	String	Banking center area name
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	Full address of the bank branch
contact	String	Contact number of the branch
imps	Boolean	Indicates if the branch supports IMPS transfers
rtgs	Boolean	Indicates if the branch supports RTGS transfers
neft	Boolean	Indicates if the branch supports NEFT transfers
upi	Boolean	Indicates if the branch supports UPI payments
micr_check	Boolean	Indicates if the branch supports MICR checks

Example Successful Response

{
    "data": {
        "client_id": "bank_validation_pjTDReiGjNBputtmJIGC",
        "account_exists": true,
        "upi_id": null,
        "full_name": "A YADAV",
        "remarks": "",
        "ifsc_details": {
            "id": 0,
            "ifsc": "CNRB0000000",
            "micr": "123456789",
            "iso3166": "IN-UP",
            "swift": null,
            "bank": "C Bank",
            "bank_code": "CNRB",
            "bank_name": "C Bank",
            "branch": "AGRA",
            "centre": "AGRA",
            "district": "AGRA",
            "state": "UTTAR PRADESH",
            "city": "AGRA",
            "address": "AAGRA (UP",
            "contact": "+911234567890",
            "imps": true,
            "rtgs": true,
            "neft": true,
            "upi": true,
            "micr_check": true
        }
    },
    "status_code": 200,
    "success": true,
    "message": null,
    "message_code": "success"
}

Possible Error Responses

Invalid Account

Invalid IFSC

Unsupported Bank

{
    "status_code": 422,
    "success": false,
    "message": "Verification Failed.",
    "message_code": "verification_failed"
}

The account number provided does not exist or could not be verified.

Integration Best Practices

Security Recommendations

Store JWT tokens 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

Rotate authentication credentials regularly and revoke compromised tokens immediately

User Experience Guidelines

Implement proper validation for account numbers and IFSC codes before making API calls

Display clear error messages to users when verification fails

Consider implementing a fallback to penny drop verification for banks not supported by pennyless verification

Cache IFSC details to improve performance for repeated verifications with the same IFSC code

Code Samples

cURL

Python

Node.js

Related APIs

Bank Verification Penny Drop: Verifies bank accounts by making a small transaction

Bank IFSC Verification: Validates and provides details for IFSC codes

UPI ID Verification: Verifies the existence and details of UPI IDs

Compliance and Legal Considerations

When using this API for bank account verification, ensure you have proper consent from the account holder as per applicable financial regulations. The verification process must comply with data protection laws such as GDPR or India's Personal Data Protection Bill. Maintain proper audit logs of all verification requests for compliance purposes.

curl --location --request POST 'https://kyc-api.surepass.app/api/v1/bank-verification/pennyless' \ --header 'Authorization: Bearer TOKEN' \ --header 'Content-Type: application/json' \ --data-raw '{ "id_number": "520121240890827", "ifsc": "CNRB0002481", "ifsc_details": true }'

{ "data": { "client_id": "bank_validation_pjTDReiGjNBputtmJIGC", "account_exists": true, "upi_id": null, "full_name": "A YADAV", "remarks": "", "ifsc_details": { "id": 0, "ifsc": "CNRB0000000", "micr": "123456789", "iso3166": "IN-UP", "swift": null, "bank": "C Bank", "bank_code": "CNRB", "bank_name": "C Bank", "branch": "AGRA", "centre": "AGRA", "district": "AGRA", "state": "UTTAR PRADESH", "city": "AGRA", "address": "AAGRA (UP", "contact": "+911234567890", "imps": true, "rtgs": true, "neft": true, "upi": true, "micr_check": true } }, "status_code": 200, "success": true, "message": null, "message_code": "success" }

Bank Verification Pennyless

Bank Verification Pennyless#

Description#

Use Cases#

Technical Implementation#

Request Headers#

Request Body#

Example Request#

Response Parameters#

IFSC Details Object#

Example Successful Response#

Possible Error Responses#

Integration Best Practices#

Code Samples#

Request

Responses

Bank Verification Pennyless

Description

Use Cases

Technical Implementation

Request Headers

Request Body

Example Request

Response Parameters

IFSC Details Object

Example Successful Response

Possible Error Responses

Integration Best Practices

Code Samples