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

# Validate a global account 

In this tutorial, you will learn how to validate a global bank account.

- Validate a personal account via provider SurePay

- Validate a business account via provider SurePay

- Validate a personal bank account via provider SurePay or provider Kinexys Liink

- Validate a business account via provider Kinexys Liink

## Before you begin

To validate a global bank account, you will need the following:

- A [registered and fully onboarded](/docs/quick-start) Developer Account on the J.P. Morgan Payments Developer Portal.

- An active project that provides you with the credentials to make a request.

- A configured callback API and anregistered [callback URL](/api/authentication#add-callback-url-and-certificates) to receive responses from Kinexys Liink.

## Validate a personal account via provider SurePay

To validate a personal account using Provider SurePay, the account holder's name and account identifiers are required. Refer to [Account Validation country list](/docs/fraud-solutions/validation-services/capabilities/account-validation/account-validation-countries) for country-specific requirements. To validate a personal account, call a `POST` request to the `v2/validations/accounts` endpoint. The following example shows the required fields for a personal account validation request. 

```json
[
  {
    "requestId": "123e4567-e89b-12d3-a456-426614174000",
     "clientReferenceId": "CLIENT-REF-12345",
    "profileName": "globalaccountvalidation",
    "account": {
      "accountNumber": "DE33500105171834492216",
      "financialInstitutionId": {
        "clearingSystemId": {
          "id": "DE33500105171834492216",
          "idType": "IBAN"
        },
        "postalAddress": {
          "country": "DE"
        }
      },
      "accountNumberType": "IBAN"
    },
    "entity": {
      "individual": {
        "firstName": "Jane",
        "lastName": "Doe"
      }
    }
  }
]
```

**Sample response **

The following example shows a successful response for a personal account validation request. 

```json
[
  {
    "requestId": "123e4567-e89b-12d3-a456-426614174000",
    "clientReferenceId": "CLIENT-REF-12345",
    "responses": [
      {
        "codes": {
          "verification": {
            "code": 1011,
            "message": "Open Valid"
          },
          "authentication": {
            "code": 5011,
            "message": "Ownership Match"
          }
        },
        "provider": "SUREPAY_IBAN",
        "details": {
          "providerResponse": {
            "result": {
              "resultType": "MATCH",
              "account": {
                "status": "ACTIVE"
              }
            }
          }
        }
      }
    ]
  }
]
```

## Validate a business account via provider SurePay

To validate a business account using Provider SurePay, the business account holder name and business account identifiers are required. Refer to `Account Validation Country List` for country-specific requirements. o validate a business account, call a `POST` request to the `v2/validations/accounts` endpoint. 

```json
[
  {
    "requestId": "123e4567-e89b-12d3-a456-426614174000",
     "clientReferenceId": "CLIENT-REF-12345",
    "profileName": "globalaccountvalidation",
    "account": {
      "accountNumber": "DE76500105178569136743",
      "financialInstitutionId": {
        "clearingSystemId": {
          "id": "DE76500105178569136743",
          "idType": "IBAN"
        },
        "postalAddress": {
          "country": "DE"
        }
      },
      "accountNumberType": "IBAN"
    },
    "entity": {
      "organization": {
        "name": "Dummy Organization Inc"
      }
    }
  }
]
```

**Sample response **

The following example shows a successful response for a business account validation request. 

```json
[
  {
    "requestId": "123e4567-e89b-12d3-a456-426614174000",
    "clientReferenceId": "CLIENT-REF-12345",
    "responses": [
       {
            "codes": {
                "verification": {
                    "code": 1011,
                    "message": "Open Valid"
                },
                "authentication": {
                    "code": 5011,
                    "message": "Ownership Match"
                }
            },
            "provider": "SUREPAY_IBAN",
            "details": {
"providerResponse": {
            "result": {
              "resultType": "MATCH",
              "account": {
                "status": "ACTIVE"
              }
            }
          }
        }
      }
    ]
  }
]
```

## Validate a personal account via provider Kinexys Liink

To validate a personal account via provider Kinexys Liink, the account holder's name and account identifiers are required. Refer to `Account Validation country list` for country-specific requirements. Call a `POST` request to the `v2/validations/accounts` endpoint. 

```json
[
  {
    "requestId": "123e4567-e89b-12d3-a456-426614174000",
    "profileName": "globalaccountvalidation",
    "account": {
      "accountNumber": "DE33500105171834492216",
      "financialInstitutionId": {
        "clearingSystemId": {
          "id": "DE33500105171834492216",
          "idType": "IBAN"
        },
        "postalAddress": {
          "country": "DE"
        }
      },
      "accountNumberType": "IBAN"
    },
    "entity": {
      "individual": {
        "firstName": "Jane",
        "lastName": "Doe"
      }
    }
  }
]
```

**Standard synchronous response**

The following example shows a standard synchronous response returned immediately after a successful personal account validation request.

```json
[
  {
    "requestId": "123e4567-e89b-12d3-a456-426614174000",
    "responses": [
      {
        "codes": {
          "verification": {
            "code": 8904,
            "message": "Initiated"
          },
          "authentication": {
            "code": 8904,
            "message": "Initiated"
          }
        },
        "provider": "JPMC_LIINK_CONFIRM",
        "details": {
          "providerResponse": {
            "refId": "8bbe2b5c-577b-461a-90dd-2df96e978edb"
          }
        }
      }
    ]
  }
]
```

**Standard asynchronous response**

The following example shows a standard asynchronous response that is returned when the validation request is processed in the background and the results are delivered later. 

```json
[
  {
    "requestId": "123e4567-e89b-12d3-a456-426614174000",
    "responses": [
      {
        "codes": {
          "verification": {
            "code": 1004,
            "message": "Open Valid"
          },
          "authentication": {
            "code": 5004,
            "message": "Ownership Match"
          }
        },
        "provider": "JPMC_LIINK_CONFIRM",
        "details": {
          "providerResponse": {
            "acctStatus": "AC00",
            "NmMatch": "FULL_MATCH"
          }
        }
      }
    ]
  }
]
```

## Validate a business account via provider Kinexys Liink

To validate a business account via provider Kinexys liink, the account holder name and account identifiers are required. Refer to `Account Validation country list` for country-specific requirements. 

**Sample request**

Call a `POST` request to the `v2/validations/accounts `endpoint.

```json
[
  {
    "requestId": "123e4567-e89b-12d3-a456-426614174000",
    "profileName": "globalaccountvalidation",
    "account": {
      "accountNumber": "DE76500105178569136743",
      "financialInstitutionId": {
        "clearingSystemId": {
          "id": "DE76500105178569136743",
          "idType": "IBAN"
        },
        "postalAddress": {
          "country": "DE"
        }
      },
      "accountNumberType": "IBAN"
    },
    "entity": {
      "organization": {
        "name": "SUREPAY_IBAN"
      }
    }
  }
]
```

**Standard synchronous response**

The following example shows a standard synchronous response returned immediately after a successful business account validation request.

```json
[
  {
    "requestId": "123e4567-e89b-12d3-a456-426614174000",
    "responses": [
      {
        "codes": {
          "verification": {
            "code": 1004,
            "message": "Open Valid"
          },
          "authentication": {
            "code": 5004,
            "message": "Ownership Match"
          }
        },
        "provider": "JPMC_LIINK_CONFIRM",
        "details": {
          "providerResponse": {
            "acctStatus": "AC00",
            "NmMatch": "FULL_MATCH"
          }
        }
      }
    ]
  }
]
```

**Standard asynchronous response**

The following example shows a standard asynchronous response that is returned when the business account validation is processed in the background and the results are delivered later. 

```json
[
  {
    "requestId": "123e4567-e89b-12d3-a456-426614174000",
    "responses": [
      {
        "codes": {
          "verification": {
            "code": 1004,
            "message": "Open Valid"
          },
          "authentication": {
            "code": 5004,
            "message": "Ownership Match"
          }
        },
        "provider": "JPMC_LIINK_CONFIRM",
        "details": {
          "providerResponse": {
            "acctStatus": "AC00",
            "NmMatch": "FULL_MATCH"
          }
        }
      }
    ]
  }
]
```

## Related

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

- For more information about the status responses and error codes supported by the Validation Services API, see [Validation Services error response codes](/api/fraud-solutions/validation-services/error-codes).

## Next steps

- Learn how to [perform micro-deposits](/docs/fraud-solutions/validation-services/capabilities/account-validation/how-to/perform-micro-deposit).

- Learn how to [request Account Confidence Score](/docs/fraud-solutions/validation-services/capabilities/account-validation/how-to/account-confidence-score)