Bank Account Validation
Validate that a bank account is active and verify its ownership before moving funds.
What is Bank Account Validation?
Bank Account Validation lets you check a local bank account before interacting with it: whether the account exists and is active, and whether it belongs to the person or business you expect (Verification of Payee, VoP).
Validating destination accounts up front reduces failed payouts, prevents misdirected funds, and helps meet compliance requirements when registering counterparties.
How it works
- Call the validation endpoint with the account details (bank and account number).
- Infinia queries the corresponding local rail.
- The result indicates whether the account is valid.
Validation is asynchronous. Depending on the country and rail, the result may be ready synchronously in the API response, or the validation may remain pending and the result be delivered later via callback. Build your integration to handle both cases: check the status in the response, and listen for the webhook when it is still pending.
Coverage, the exact fields required, and how ownership verification works vary by country; see the API Reference for per-country details.
Common use cases
- Validating a destination account before executing a payout.
- Verifying ownership before registering a trusted counterparty or withdrawal destination in your app.
- Reducing fraud by ensuring the destination belongs to your user.
Learn more
Updated 1 day ago