This is the pre-configured journey to perform the Bank Account Verification using Bank Account Number and IFSC code.

Bank Account Verification

The businesses can configure these checks with our Bank Account Verification journey

Ownership Check

Journey Input Data

{
  "account_number": "<BankAccount number>",
  "ifsc": "<Ifsc of the BankAccount>"
}

Journey Output Data

{
  "transaction_id": "",
  "journey_transaction_id": "",
  "journey_id": "",
  "status": "SUCCESS|FAILURE|IN_PROGRESS",
  "status_code": "Refer to the table below",
  "message": "Refer to the table below",
  "decision": "CLEAR|MUST REVIEW|NEEDS REVIEW",
  "checks": [],
  "data": {
    "keys": {
      "bank_account": [
        {
          "account_number": "<BankAccount number>",
          "name": "",
          "ifsc": "",
          "bank_name": "",
          "branch_name": "",
          "source": "",
          "issuer": "",
          "decision": "",
          "checks": []
        }
      ]
    }
  }
}

📘
This journey does not include any pre-configured Ownership or Fraud Checks. To configure these checks, please contact your Account Manager.

Status Codes

Scenario	HttpStatus	status	status_code	message
When request is successful and Bank Account details are available.	200	SUCCESS	success	Request successful
When Bank Account is not valid	200	FAILURE	invalid_input	Bank Account No is Invalid
When IFSC code is not valid	200	FAILURE	invalid_ifsc	IFSC is invalid
When no details found at Source for given Bank Account Number	200	FAILURE	document_not_found	Entity not found
When Input doesn't contain the account_number or IFSC field.	400	FAILURE	invalid_input	account_number and IFSC are required
Any unhandled error from Equal's end	500	FAILURE	internal_server_error	Something went wrong, please try again.
Too many requests	429	No object will be sent, throttling happens at the gateway level.
Service Unavailable	503
Invalid Client Credentials	401	FAILURE	invalid_credentials	Invalid Client Credentials

Status (Journey Status)

Possible Values	Description
SUCCESS	Shows that the verification process was completed successfully.
FAILURE	Indicates that the verification process did not succeed.
IN_PROGRESS	Signifies that the verification process is currently underway and has not yet been completed.

Decision

Possible Values	Description
CLEAR	Indicates that the verification has been completed and the information is confirmed as accurate and legitimate.
MUST REVIEW	Signifies that further review is needed due to potential issues or inconsistencies in the verification results.
NEEDS REVIEW	Suggests that the verification has identified areas that require further investigation or clarification before a final determination can be made.

📘
Journey ID will be shared as part of Onboarding

Key Descriptions

Key	Description
transaction_id	Unique identifier for the transaction.
journey_transaction_id	Unique identifier for the journey transaction.
journey_id	Unique identifier for the journey.
status	Current status of the transaction. Possible values: SUCCESS, FAILURE, IN_PROGRESS.
status_code	Code representing the specific status of the transaction. Refer to the documentation for possible values.
message	Detailed message about the transaction status. Refer to the documentation for specific messages.
decision	Final decision based on all checks. Possible values: CLEAR, MUST REVIEW, NEEDS REVIEW.
checks	List of checks performed during the transaction.
bank_account	List of bank account-related data points.
account_number	Bank account number for verification.
name	Name of the account holder.
ifsc	IFSC code of the bank branch.
bank_name	Name of the bank where the account is held.
branch_name	Name of the branch where the account is held.
source	Source from which the data was extracted (e.g., bank records).
issuer	Issuer of the bank account (e.g., bank).
decision (specific key)	Decision for this specific key based on the checks performed. Possible values: CLEAR, MUST REVIEW, NEEDS REVIEW.
checks (specific key)	List of checks performed on this specific key.