Mobile To Bank

Endpoint Overview

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

Description

This API enables verification and retrieval of bank account details associated with a provided mobile number. It serves as a bridge between mobile identity and banking information, allowing applications to securely fetch bank account details when a user provides their mobile number. This streamlines user onboarding processes and reduces friction in financial transactions by eliminating the need for manual entry of bank details.

Key Benefits

Simplifies user onboarding by auto-filling bank details from mobile number

Reduces data entry errors in financial transactions

Enhances security by validating bank account information

Improves user experience with faster verification processes

Use Cases

Banking & Finance

Fintech

E-commerce

Streamline account linking during digital banking onboarding

Simplify beneficiary addition in payment applications

Verify customer identity during loan application processes

Enable quick bank account verification for investment platforms

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_no	String	Yes	The mobile number to query for associated bank account details

Example Request

{
    "mobile_no": "8079027123"
}

Process Response

Response Parameters

Parameter	Type	Description
data	Object	Container for the bank account details
data.client_id	String	Unique identifier for the verification request
data.bank_ifsc	String	IFSC code of the bank branch
data.bank_account_no	String	Bank account number associated with the mobile number
data.bank_details	String	Bank name and branch location
data.name	String	Name of the bank account holder
status_code	Integer	HTTP status code indicating the result of the request
success	Boolean	Indicates whether the request was successful
message	String	Human-readable description of the response status
message_code	String	Machine-readable code representing the response status

Example Successful Response

{
    "data": {
        "client_id": "mobile_to_bank_details_NkSxYeGblpzYhwMBbirH",
        "bank_ifsc": "UTIB0001234",
        "bank_account_no": "92001006123456789",
        "bank_details": "AXIS BANK, JAIPUR",
        "name": "VISHAL RATHORE"
    },
    "status_code": 200,
    "success": true,
    "message": "Success",
    "message_code": "success"
}

Possible Error Responses

Invalid Mobile Number

Authentication Error

Server Error

Invalid Mobile Format

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

The provided mobile number is not in a invalid.

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 in transit

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

Validate mobile numbers before sending to the API to reduce unnecessary calls

User Experience Guidelines

Implement proper loading states while waiting for API response

Provide clear error messages to users when verification fails

Allow users to manually enter bank details if the API doesn't return results

Request permission before accessing user's mobile number for verification

Clearly communicate to users why their mobile number is being used for verification

Code Samples

cURL

Python

Node.js

Related APIs

Bank Account Verification API: Verifies bank account details directly using account number and IFSC

PAN Verification API: Verifies identity using Permanent Account Number

Aadhaar Verification API: Verifies identity using Aadhaar number

Mobile Number Verification API: Verifies ownership of mobile numbers through OTP

Compliance and Legal Considerations

This API handles sensitive financial information and must be used in compliance with RBI guidelines and data protection regulations. Ensure you have proper consent from users before querying their mobile numbers for bank details. The data returned should be handled securely and in accordance with privacy laws. Usage of this API may be subject to audit for regulatory compliance.

{ "data": { "client_id": "mobile_to_bank_details_NkSxYeGblpzYhwMBbirH", "bank_ifsc": "UTIB0001234", "bank_account_no": "92001006123456789", "bank_details": "AXIS BANK, JAIPUR", "name": "VISHAL RATHORE" }, "status_code": 200, "success": true, "message": "Success", "message_code": "success" }

Mobile To Bank

Mobile To Bank#

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

Mobile To Bank

Description

Use Cases

Technical Implementation

Request Headers

Request Body

Example Request

Response Parameters

Example Successful Response

Possible Error Responses

Integration Best Practices

Code Samples