# JPMC-PDP Documentation from https://developer.payments.jpmorgan.com

# Account Validation parameters

This page provides information on the required fields for Account Validation. All required fields must be included for a request to be successful, and optional (or non-required) fields add extra functionality to a request.

> This page serves as an overview of required fields. For detailed JSON specifications when constructing a request, refer to the [Account Validation Services API specification](/api/fraud-solutions/validation-services/validation-services#/).
> 

## Validation Services assigned values

The following table lists the values assigned during onboarding and validation processes.

 
**Assigned values**

| Object | Field | Description | 
| --- | --- | --- | 
| API Header | x-client-id | A unique identifier assigned to a client during the onboarding process. | 
| API Header | x-program-id | A unique identifier assigned to a Validation Service product during onboarding. | 
| API Header | x-program-id-type | A unique identifier assigned to a specific Validation Services product selection. The default value is “AVS” program-id-type. It indicates the processing settings selected for the product and will be provided during onboarding. This is an optional parameter. | 
| Message | codes | A unique numeric identifier that ties back to a specific validation result. | 
| Message | message | A text explanation of the code. | 
| Message | retry-count | Transaction returns may be retried depending on the status of the first attempt. The retry-count indicates which attempt is represented in the validation response results. | 

## Values you can assign

### Required fields

The following table lists the required fields for a successful request.

 
**Required field parameters**

| Field | Description | 
| --- | --- | 
| requestId | To detect duplicate requests, each message sent via an API is unique and must include a unique requestId. You can resend the request if your system does not receive a response due to a timeout or an exception. To ensure that the message is not processed multiple times, use the same requestId to resend the message. When the original request is processed, the original response message content is returned. | 
| account | Identifies account validation without other information, such as account owner name validation. | 
| entity | Identifies an individual or business (organization) for identity verification. This information can be validated on its own or in combination with account validation. | 
| transactions | If you select the challenge test option, the transaction identifiers are submitted as part of the micro-deposits validation. | 
| context | A debit or deposit. | 
| transactions | The transaction objects include the validation amounts specified in the validation request. | 
| currency | The currency used for validation. | 
| accountNumber | A unique identifier assigned to a specific account. | 
| clearingSystemId | A unique identifier for the clearing system. | 
| idType | The format of the financial institution identifier. | 

### Optional fields

The following table lists optional fields you can include to provide additional details.

 
**Optional field parameters**

| Field | Description | 
| --- | --- | 
| individual.firstName | The account holder's first name. This field is required to authenticate account ownership. | 
| individual.lastName | The account holder's last name. This field is required to authenticate account ownership. | 
| individual.additionalLastName | The account holder's additional last name. | 
| individual.middleName | The account holder's middle name or initial. If included, include only a single letter without a period. | 
| individual.namePrefix | A prefix or a title that precedes an account holder's name. | 
| individual.nameSuffix | A suffix or a title that follows an account holder's name. | 
| organization.name | The business name. This field is required to authenticate account ownership. | 
| postalAddress.addressLine | The street address. | 
| postalAddress.unitNumber | The suite or the unit number. | 
| postalAddress.buildingNumber | The building number. | 
| postalAddress.buildingName | The building name. | 
| postalAddress.streetType | The street type. | 
| postalAddress.streetName | The street name. | 
| postalAddress.suburb | The suburb or district within a town or a city. | 
| postalAddress.townName | The town or city name. | 
| postalAddress.countrySubDvsn | The country subdivision's name. | 
| postalAddress.country | The ISO country code. | 
| postalAddress.postalCode | The postal code. | 
| postalAddress.county | The county name. | 
| contactDetails.phoneNumbers | The type of phone number, either work or home. If including area or country code, include only the numeric values. | 
| contactDetails.email | The email address. | 
| individual.dateOfBirth | The date of birth in YYYYMMDD format. | 
| individual.identificationType1 | The account holder’s personal ID type such as SSN, driver’s license, or passport. | 
| individual.identificationId1 | The account holder’s personal ID number such as driver’s license or passport number. | 
| individual.identificationIssuer1 | The state or place where the personal ID was issued. | 
| individual.identificationType2 | The personal ID type such as SSN, driver’s license, or passport. | 
| individual.identificationId2 | The personal ID number such as driver’s license or passport number. | 
| individual.identificationIssuer2 | The state or place where the personal ID was issued. | 
| transaction.context | The transaction type. The type of transaction determines if a credit offset is required. | 
| transaction.processControlTransactionCode | The process control transaction code. | 
| amount.amount | The payment amount. | 
| amount.currency | The currency. This field is required if amount is selected. | 
| amount.checkSerialNo | A unique serial number used to verify a check. | 
| clientReferenceId | A meaningful ID for your internal records. | 

## Results returned from validation requests

The following table explains the fields returned in a validation result.

 
**Results messages**

| Field | Description | 
| --- | --- | 
| ResultCollection | Indicates which Validation Service feature is providing the response: individualID, businessID, individualScreening, businessScreening, individualDoc, or error. | 
| code | A 4-digit number used to trace and identify the service and provider associated with the response. | 
| message | The summary validation response based on your configuration: Pass, Fail, Needs Review, No Information Found, Clear, or Potential-Hit. | 

## Account Confidence Score responses

The following table explains the response codes and their meanings.

 
**Response definitions**

| Response code | Response message | Description | 
| --- | --- | --- | 
| 11## | Information Found | Data provider was able to process this request. | 
| 12## | No Information Found | Data provider was unable to process this request. | 

## Account Confidence Score status descriptions

The following table shows the score ranges and the meaning of each status.

 
**Status descriptions**

| Score | Red, Amber, Green (RAG) status | Description | 
| --- | --- | --- | 
| 0 | RED | The account is linked to past activity that suggests a high risk of potential fraud or compromise. Action: Manually review or investigate the beneficiary. | 
| 1-199 | RED | The account is in a low-confidence score range. Action: Manually review or investigate the beneficiary. | 
| 200-599 | AMBER | The account is in a medium-confidence score range. Action: Perform selective review or investigation of the beneficiary. | 
| 600-1000 | GREEN | The account is in a high-confidence score range. | 

## Validation provider response details

The following table provides details returned by the provider in response to a validation request.

 
**Provider response details**

| Field | Description | 
| --- | --- | 
| provider | The name of the vendor system providing the response: | 
| Details.providerResponse | The structure that contains provider-specific response details. | 

## Related

For more information about Account Validation, see [Overview](/docs/fraud-solutions/validation-services/capabilities/account-validation/index).

## Next steps

Learn more about available [resources](/docs/fraud-solutions/validation-services/capabilities/account-validation/resources).