Instant Bank Account Verification - China Individual

Introduction
Our instant bank account verification flow is designed to provide secure and efficient account verification services across various countries, including the United Kingdom, India, United States, Indonesia, Vietnam, Nigeria, Nepal, Pakistan, China, Korea, and Bangladesh etc. This process allows businesses and financial institutions to verify bank account details instantly, streamlining the onboarding process and enhancing the overall user experience.
Use Cases:
Cross-Border Transactions:
Facilitate cross-border transactions by quickly and accurately verifying bank account details, enabling secure and efficient international money transfers.
Enhanced Onboarding Process:
Streamline the customer onboarding journey by automating the bank account verification process, reducing manual efforts, and minimizing the risk of errors.
Risk Mitigation:
Minimize the risk of fraudulent activities by validating bank account details through a robust and reliable verification process, providing an additional layer of security.
Currency Confirmation:
Obtain information on the currency associated with the provided bank account, allowing businesses to ensure compatibility and accuracy in financial transactions.
Bank Account Validation Flow
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API description
Sample cURL
Pre-production
Production
curl --location 'https://api.signzy.us/api/v3/global-bank-verification/validate-bank-account/cn' \
--header 'Authorization: <----Auth Token---->' \
--header 'Content-Type: application/json' \
--data '{
    "fullName": "ABCD Company",
    "accountNumber": "32187216345",
    "clearingSystemId": "ABOCC342",
    "isBusiness": "true",
    "creditorIdentifier": "91111111ABHY734"
}'
curl --location 'https://api.signzy.us/api/v3/global-bank-verification/validate-bank-account/cn' \
--header 'Authorization: <----Auth Token---->' \
--header 'Content-Type: application/json' \
--data '{
    "fullName": "ABCD Company",
    "accountNumber": "32187216345",
    "clearingSystemId": "ABOCC342",
    "isBusiness": "true",
    "creditorIdentifier": "91111111ABHY734"
}'
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Request Data Parameters(For Individuals)
Parameter
Description
Data Type
Type
Required
fullName
Full name of bank account holder(should be in Chinese)
Any non-empty string
String
Mandatory 
accountNumber
Account number of bank account
Alphanumeric
String
Mandatory
clearingSystemId
Clearing system codes of financial institutions  associated with the bank account
Alphanumeric
String
Mandatory
isBusiness
Indicates if the account is a business account
boolean
string
Mandatory
creditorIdentifier
Can be left empty
-
-
Optional
Note:- 
 Very Big names can cause errors. Try removing last few words in case of better results. We are working to upgrade this in coming months. Reachout to us if you face any difficulties
Clearing system ID only accepts first 8 digits of Swift code. We are in the process of implementing logic to accept the 11-digits in the coming months.
Sample Response
Success (200) - Bank Account Verified
Success (200) - Account number not found
Success (200) - Unable to validate account number
Success (200) - Clearing System ID invalid
Bad Request (400)
Upstream Down (409)
{
    "result": {
        "description": "Bank Account Verified",
        "matchScore": "0.99",
        "matchScoreDescription": "Strong Match",
        "nameMatched": "北京苹果和橙子公司",
        "currency": ""
    }
}
{
    "result": {
        "description": "Bank Account Verified",
        "matchScore": "0.99",
        "matchScoreDescription": "Strong Match",
        "nameMatched": "北京苹果和橙子公司",
        "currency": ""
    }
}
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Success Response Body Parameters
Key
Description
Type
result.description
Validation description
String
result.country
country associated with bank account
String
result.matchScore
Degree of matching
Float
result.matchScoreDescription
Description reflecting the strength of the match
String
result.nameMatched
Name that achieved the match
String
result.currency
Currency associated with the validated information
String
Error Codes
Error Code
Description
200
Success - The request was processed successfully.
400
Bad Request - The request was malformed or invalid.
409
Conflict - The request conflicts with the server state.
500
Internal Server Error - An unexpected error occurred.
Getting help
Please feel free to contact us if you have any questions, require clarification, or have ideas for how to make the documents or any of our services better.
You can reach out to us at [email protected]. We strive to provide prompt and reliable assistance, ensuring your queries are addressed effectively.
We value your feedback and are committed to making your experience smooth and enjoyable. Our team is dedicated to assisting you with any needs you may have. Thank you for choosing our services. We look forward to helping you!
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Parameter	Description	Data Type	Type	Required
fullName	Full name of bank account holder(should be in Chinese)	Any non-empty string	String	Mandatory
accountNumber	Account number of bank account	Alphanumeric	String	Mandatory
clearingSystemId	Clearing system codes of financial institutions associated with the bank account	Alphanumeric	String	Mandatory
isBusiness	Indicates if the account is a business account	boolean	string	Mandatory
creditorIdentifier	Can be left empty	-	-	Optional

Key	Description	Type
result.description	Validation description	String
result.country	country associated with bank account	String
result.matchScore	Degree of matching	Float
result.matchScoreDescription	Description reflecting the strength of the match	String
result.nameMatched	Name that achieved the match	String
result.currency	Currency associated with the validated information	String

Error Code	Description
200	Success - The request was processed successfully.
400	Bad Request - The request was malformed or invalid.
409	Conflict - The request conflicts with the server state.
500	Internal Server Error - An unexpected error occurred.

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Instant Bank Account Verification

Instant Bank Account Verification - China Business