Resources

Account Validation services enable you to verify account status and confirm the account ownership for both individuals and businesses worldwide. United States based clients with global counterparties or vendors can submit validation inquiries to the Account Validation services for both United States and non-United States bank accounts.

Country list

Account Validation services covers individuals and businesses in the following countries:

Coverage by country
Account location country	Valid combinations for account identifier types
Brazil	Account Number Type: IBAN Financial Institution ID Type: IBAN Additional Identification: Tax ID
Brazil	Account Number Type: IBAN Financial Institution ID Type: SWIFT BIC Additional Identification: Tax ID
Germany	Account Number Type: IBAN Financial Institution ID Type: IBAN
India	Account Number Type: Account Number Financial Institution ID Type: IFSC
India	Account Number Type: Account Number Financial Institution ID Type: SWIFT BIC
Mexico	Account Number Type: CLABE Financial Institution ID Type: CLABE Additional Identification: Tax ID if currency is USD
Mexico	Account Number Type: CLABE Financial Institution ID Type: SWIFT BIC Additional Identification: Tax ID if currency is USD
Pakistan	Account Number Type: Account Number Financial Institution ID Type: SWIFT BIC
United States	Account Number Type: Account Number Financial Institution ID Type: ABA
United States	Account Number Type: Account Number Financial Institution ID Type: SWIFT BIC

Account Validation (United States)

Verification response
Response code	Response	Description
10##	Open Valid	The account is open and valid as of the last update, with a low probability of debit return.
20##	Closed Invalid	The account is either closed, invalid for payment transactions, or in a negative status.
30##	No Information Found	The account is not found and may be fraudulent or brand-new. Confirm the bank details/information with the customer and try again.
32##	Valid Pattern	The account and routing number combination appear to be valid. This is a soft response, unlike other responses that provide a direct inference of the account status.
33##	Invalid Pattern	The account and routing number combination do not appear valid. This is a soft response, unlike other responses that provide a direct inference of the account status.
40##	Debit Return Likely	The account is either ineligible for debit activity or has a high probability of return, making debit transactions likely to fail.

Authentication response codes
Response code	Response	Description
50##	Ownership Match	The account owner information provided matches the details on the file for the account in question.
60##	Ownership No Match	The account owner information provided does not match or inconclusively matched the information on file for the account in question.
70##	No Information Found	Account owner information couldn’t be validated for one of the following reasons: The account is closed The account is not a Demand Deposit Account There is no known account owner information ·Verification response was “Request Rejected”

Micro-deposit response codes
Response code	Response	Description
80##	Access Confirmed	The recipient’s access to the account is confirmed, as the deposit/credit amounts details provided match our records.
81##	Access Not Confirmed: Incorrect Deposit Amounts	The recipient’s access to the account cannot be confirmed, as the cause the deposit/credit client details provided do not match our records.
82##	Access Not Confirmed: Exceeded Number of Attempts	The recipient’s access to the account cannot be confirmed, as the validation attempt for the deposit/credit amounts exceeded the allowed limit of three.
83##	Access Not Confirmed: Token Expired	The recipient’s access to the account cannot be confirmed, as the validation attempt for the deposit/credit amounts is beyond the allowed timeframe of 20 days from the date of initial account validation request.

Acknowledgement response codes
Response code	Response	Description
88##	Updated Response: New Response Message	Indicates that the previously shared account status has changed as the recipient reported that the transaction was unauthorized. The latest response is also included.
89##	Initiated	The validation request is initiated and is processing with the specified data provider.
89##	Initiated with Ready for Validation	The micro-deposit transactions are successfully processed, allowing the validation to be completed upon the second call.

Access confirmation responses
Response codes	Response	Description
80##	Access Confirmed	Beneficiary’s access to the account is confirmed as the deposit/credit amounts details provided matched our records.
81##	Access Not Confirmed: Incorrect Deposit Amounts	Beneficiary’s access to the account cannot be confirmed as the deposit/credit amounts details provided did not match our records.
82##	Access Not Confirmed: Exceeded Number of Attempts	Beneficiary’s access to the account cannot be confirmed as the attempts to validate the deposit/credit amounts have exceeded the allowed limit of three.
83##	Access Not Confirmed: Token Expired	Beneficiary’s access to the account cannot be confirmed as the attempts to validate the deposit/credit amounts is beyond the allowed timeframe of 20 days from the date of initial account validation request.

Account Validation (non-United States)

Account verification responses
Response code	Response	Description
10##	Open Valid	The account is open and valid as of the last update and is deemed to have a low probability of debit return.
20##	Closed Invalid	The account is either closed, invalid for payment transactions, or in a negative status.
30##	No Information Found	The account is not found and may be fraudulent or brand-new. Confirm details with customer and try again.
34##	Request Rejected	The request was rejected based on the data provided.
40##	Debit Return Likely	The account is either ineligible for debit activity or has a high probability of return. Debit transactions on this account are likely to fail.

Authentication responses
Response code	Response	Description
50##	Ownership Match	The account owner information provided matches the details on file on the file for the account in question.
51##	Ownership Partial Match	The account owner information provided indicates a partial match with the details on file for the account in question. Confirm name with customer and try again.
60##	Ownership No Match	The account owner information provided does not match or inconclusively matched the information on file for the account in question.
70##	No Information Found	Account owner information couldn’t be validated for one of the following reasons: The account is closed The account is not a Demand Deposit Account There is no known account owner information Verification response was “Request Rejected”

Micro-deposit responses
Response code	Response	Description
89##	Initiated with Ready for Validation	The micro-deposit transactions is successfully processed, allowing the client to complete the validation after the second call.

Account Confidence Score

Account Confidence Score responses
Response	Description
Information Found	Account and routing number combination is found, and the response includes a confidence score, RAG (Red, Amber, Green) status and a score description.
No Information Found	Account is not found, so a confidence score is not generated.

Account Confidence Score response codes
Category	1^st and 2^nd digits = response message
Account Score	11## = Information Found (Positive) 12## = No Information Found (Neutral)

Match criteria and logic

The following fields allow for a conditional match:

fullName
name
postalAddress (Address 1 + Address 2)
townName
postalCode (first five digits)
phoneNumber
id (nine-digit inquiry)
dateOfBirth
idNumber

The following fields do not allow for a conditional match:

firstName
lastName
middleName
countrySubDvsn
id (four-digit inquiry)

For more information about Account Validation, see Overview.
For more information about parameters, see Account Validation parameters.

Next steps

Learn how to Verify a U.S. bank account and ownership