Validate Bank Account (VPA) via Reverse Penny Drop

Validate your contact’s bank account instantly via Reverse Penny Drop.

POST /v1/fund_accounts/validations

Curl

curl -u [YOUR_KEY]:[YOUR_SECRET] \
-X POST https://api.razorpay.com/v1/fund_accounts/validations \
-H "Content-Type: application/json" \
-d '{
  "source_account_number": "7878780080316316",
  "validation_type": "upi_intent",
  "reference_id": "112233",
  "notes": {
    "random_key_1": "Make it so",
    "random_key_2": "Tea. Earl Grey. Hot."
  }
}'

Response - Initial

{
  "id": "fav_00000000000001",
  "entity": "fund_account.validation",
  "status": "created",
  "utr": "123456789012",
  "upi_intent": {
    "intent_url": "upi://pay?pa=razorpayx@citibank&pn=RZPX%20PRIVATE%20LTD&mc=7413&cu=INR&am=1.00&tn=BAV&ver=01&mode=04&qrMedium=02&tr=RjY7anDJFuKQOB",
    "phonepe_url": "phonepe://upi/pay?pa=razorpayx@citibank&pn=RZPX%20PRIVATE%20LTD&mc=7413&cu=INR&am=1.00&tn=BAV&ver=01&mode=04&qrMedium=02&tr=RjY7anDJFuKQOB",
    "gpay_url": "tez://upi/pay?pa=razorpayx@citibank&pn=RZPX%20PRIVATE%20LTD&mc=7413&cu=INR&am=1.00&tn=BAV&ver=01&mode=04&qrMedium=02&tr=RjY7anDJFuKQOB",
    "paytm_url": "paytmmp://upi/pay?pa=razorpayx@citibank&pn=RZPX%20PRIVATE%20LTD&mc=7413&cu=INR&am=1.00&tn=BAV&ver=01&mode=04&qrMedium=02&tr=RjY7anDJFuKQOB",
    "bhim_url": "bhim://upi/pay?pa=razorpayx@citibank&pn=RZPX%20PRIVATE%20LTD&mc=7413&cu=INR&am=1.00&tn=BAV&ver=01&mode=04&qrMedium=02&tr=RjY7anDJFuKQOB",
    "encoded_qr_code": "iVBORw0KGgoAAAANSUhEUgAAAQAAAAEAAQMAAABmvDolAAAABlBMVEX///8AAABVwtN+AAACWUlEQVR42uyYy3E7LRDEe4sDR0IglM1sH+"
  },
  "validation_results": {
    "account_status": null,
    "registered_name": null,
    "details": null,
    "name_match_score": null,
    "validated_account_type": null,
    "bank_account": {
      "bank_routing_code": null,
      "account_number": null,
      "bank_name": null,
      "account_type": null
    }
  },
  "status_details": {
    "description": "Validation request is created",
    "source": "internal",
    "reason": "validation_request_created"
  },
  "reference_id": "112233",
  "notes": {
    "random_key_1": "Make it so.",
    "random_key_2": "Tea. Earl Grey. Hot."
  }
}

Available in🇮🇳 India🇸🇬 Singapore🇺🇸 United States

Use this endpoint to validate the bank account details via Reverse Penny Drop.

Watch Out!

This API is not supported in test mode. Ensure you switch to live mode before proceeding.

Curl

curl -u [YOUR_KEY]:[YOUR_SECRET] \
-X POST https://api.razorpay.com/v1/fund_accounts/validations \
-H "Content-Type: application/json" \
-d '{
  "source_account_number": "7878780080316316",
  "validation_type": "upi_intent",
  "reference_id": "112233",
  "notes": {
    "random_key_1": "Make it so",
    "random_key_2": "Tea. Earl Grey. Hot."
  }
}'

Response - Initial

{
  "id": "fav_00000000000001",
  "entity": "fund_account.validation",
  "status": "created",
  "utr": "123456789012",
  "upi_intent": {
    "intent_url": "upi://pay?pa=razorpayx@citibank&pn=RZPX%20PRIVATE%20LTD&mc=7413&cu=INR&am=1.00&tn=BAV&ver=01&mode=04&qrMedium=02&tr=RjY7anDJFuKQOB",
    "phonepe_url": "phonepe://upi/pay?pa=razorpayx@citibank&pn=RZPX%20PRIVATE%20LTD&mc=7413&cu=INR&am=1.00&tn=BAV&ver=01&mode=04&qrMedium=02&tr=RjY7anDJFuKQOB",
    "gpay_url": "tez://upi/pay?pa=razorpayx@citibank&pn=RZPX%20PRIVATE%20LTD&mc=7413&cu=INR&am=1.00&tn=BAV&ver=01&mode=04&qrMedium=02&tr=RjY7anDJFuKQOB",
    "paytm_url": "paytmmp://upi/pay?pa=razorpayx@citibank&pn=RZPX%20PRIVATE%20LTD&mc=7413&cu=INR&am=1.00&tn=BAV&ver=01&mode=04&qrMedium=02&tr=RjY7anDJFuKQOB",
    "bhim_url": "bhim://upi/pay?pa=razorpayx@citibank&pn=RZPX%20PRIVATE%20LTD&mc=7413&cu=INR&am=1.00&tn=BAV&ver=01&mode=04&qrMedium=02&tr=RjY7anDJFuKQOB",
    "encoded_qr_code": "iVBORw0KGgoAAAANSUhEUgAAAQAAAAEAAQMAAABmvDolAAAABlBMVEX///8AAABVwtN+AAACWUlEQVR42uyYy3E7LRDEe4sDR0IglM1sH+"
  },
  "validation_results": {
    "account_status": null,
    "registered_name": null,
    "details": null,
    "name_match_score": null,
    "validated_account_type": null,
    "bank_account": {
      "bank_routing_code": null,
      "account_number": null,
      "bank_name": null,
      "account_type": null
    }
  },
  "status_details": {
    "description": "Validation request is created",
    "source": "internal",
    "reason": "validation_request_created"
  },
  "reference_id": "112233",
  "notes": {
    "random_key_1": "Make it so.",
    "random_key_2": "Tea. Earl Grey. Hot."
  }
}

Request Parameters

source_account_number · string · required

Bank account number being validated. For example, 765432123456789.

validation_type · string · required

The method used for validating the bank account. Here, it is upi_intent.

reference_id · string

Unique reference id of the fund account being validated.

notes · object

Key-value pair that can be used to store additional information about the entity. Maximum 15 key-value pairs, 256 characters (maximum) each.

Response Parameters

id · string

The unique identifier linked to the fund account. For example, fa_00000000000001.

entity · string

Here it will be fund_account.validation.

status · string

The status of the fund account validation. For example, in the initial response, it could be created and in the after payment response, completed.

utr · string

The Unique Transaction Reference number assigned to the ₹1 UPI payment made by the end user. Use this to track or reconcile the transaction.

upi_intent · object

Contains deep links to launch specific UPI apps directly on the user’s device, allowing them to complete the ₹1 payment without manually entering details.

intent_url · string

A generic UPI deep link that opens the user’s default or available UPI app to initiate the payment.

phonepe_url · string

A deep link that launches the PhonePe app directly to complete the payment.

gpay_url · string

A deep link that launches Google Pay directly to complete the payment.

paytm_url · string

A deep link that launches the Paytm app directly to complete the payment.

bhim_url · string

A deep link that launches the BHIM app directly to complete the payment.

encoded_qr_code · string

A Base64-encoded QR code image. Display this on your interface so users can scan it using any UPI app to complete the ₹1 payment.

validation_results · object

Contains the verified account details extracted from the payer’s bank after the ₹1 payment is received.

account_status · string

Indicates whether the bank account is active and valid. Possible values: active, inactive.

registered_name · string

The account holder’s full name as registered with their bank.

validated_account_type · string

The type of account validated during the transaction. Possible values: bank_account, vpa.

name_match_score · integer

A numeric score indicating how closely the account holder’s registered name matches the name provided during the request.

bank_account · object

Contains the verified bank account details of the payer.

bank_routing_code · string

The IFSC code of the payer’s bank branch, used to identify and route transactions to the correct bank.

account_number · string

The payer’s bank account number, as retrieved from the bank.

bank_name · string

The name of the payer’s bank.

account_type · string

The type of bank account held by the payer. Possible values: Savings, Current.

status_details · object

Contains details about the status of the validation.

description · string

A short note about the validation status.

source · string

The source from which the validation was done.

reason · string

Reason for the validation.

reference_id · string

Unique reference id generated for the validation.

notes · object

Key-value pair that can be used to store additional information about the entity. Maximum 15 key-value pairs, 256 characters (maximum) each.