Unified BAV - Comprehensive Check

Introduction

The Unified BAV - Comprehensive Check API offers the most extensive coverage for bank account verification in a single unified endpoint. This API is designed for use cases requiring maximum coverage and verification through a standardized integration approach.

Coverage: USA, UAE, Belgium, France, Italy, Netherlands, Poland, Saudi Arabia, South Africa, Thailand, Peru, Uruguay, Brazil, Mexico, UK, UK(IBAN), Turkey, China Individual, Argentina, Korea, Indonesia, Malaysia, Nigeria, Uganda, Vietnam, Bangladesh, Nepal, Pakistan, India, Europe

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

API description

Sample cURL

Pre-Production

Production

curl --location 'https://api-preproduction.signzy.us/api/v3/global-bank-verificationcomprehensive-check' \
--header 'Authorization:' \
--header 'Content-Type: application/json' \
--data '{
    "countryCode": "CN",
    "fullName": "ABBAS AL-SHEIKH",
    "accountNumber": "",
    "clearingSystemId": "",
    "creditorIdentifier": "1234631235",
    "creditorIdentifierType": "NATIONAL_ID",
    "isBusiness": false
}'

curl --location 'https://api.signzy.us/api/v3/global-bank-verificationcomprehensive-check' \
--header 'Authorization:' \
--header 'Content-Type: application/json' \
--data '{
    "countryCode": "CN",
    "fullName": "ABBAS AL-SHEIKH",
    "accountNumber": "",
    "clearingSystemId": "",
    "creditorIdentifier": "1234631235",
    "creditorIdentifierType": "NATIONAL_ID",
    "isBusiness": false
}'

Request Data Parameters

Parameter	Data Type	Required	Description
countryCode	string	Yes	Must be one of the comprehensive-check supported countries.
fullName	string	Yes	Full name of the individual or business. Maximum 250 characters and must contain at least one letter.
accountNumber	string	Yes	Creditor's account number. Required for all countries. Format varies by country.
clearingSystemId	string	Conditional	Required for IN, BD, NP, PK, ID, NG, UG, VN, KR, UY, TH, and US. For GB, required only on the sort-code path. Not required for MY, ZA, BE, AE, AR, MX, PE, EU, or countries using identifier-based validation (BR, FR, IT, NL, PL, SA).
creditorIdentifier	string	Conditional	Required for BR, FR, IT, NL, PL, and SA. Optional for BE and CN. Not used elsewhere.
creditorIdentifierType	string	Conditional	Required for SA only. Use NATIONAL_ID for individuals and UNIFIED_NUMBER or COMMERCIAL_REGISTRATION for businesses.
isBusiness	boolean	Conditional	Required for CN, US, and SA. Optional for all other countries and defaults to false.

Country-Specific Requirements

Country	clearingSystemId	creditorIdentifier	creditorIdentifierType	isBusiness
US	Yes (9-digit routing number)	No	No	Yes
SA	No	Yes (10 digits)	Yes	Yes
BR	No	Yes	No	No
FR	No	Yes	No	No
IT	No	Yes	No	No
NL	No	Yes	No	No
PL	No	Yes	No	No
BE	No	Optional	No	No
ZA	No	Optional	No	No
AE	No	No	No	No
CN	No (optional, business only)	Optional	No	Yes
GB	Yes (unless IBAN)	No	No	No
IN, BD, NP, PK, ID, NG, UG, VN, KR, UY, TH	Yes (BIC/Local Clearing ID)	No	No	No

Sample Response

{
  "result": {},
  "reason": "Data not Found",
  "code": "S003"
}

Success Response Body Parameters

Parameter	Data Type	Description
result	object	Verification result payload. Returns an empty object ({}) when the account is not found (code: S003).
result.description	string	Human-readable verification outcome (e.g., Bank Account Verified, Account flagged, Review required).
result.countryCode	string	Echoes the countryCode provided in the request.
result.matchScore	string	Name-match confidence score between 0 and 1, formatted to two decimal places (e.g., "0.95"). Returns an empty string ("") if the vendor does not provide a score.
result.matchScoreDescription	string	Human-readable interpretation of the match score (e.g., Strong Match, Partial Match).
result.nameMatched	string	Account-holder name returned by the bank or verification vendor.
result.currency	string	Account currency in ISO format (e.g., USD, EUR) when available; otherwise returns an empty string ("").
reason	string	Response status reason. Request Successful for S001; Data not Found for S003.
code	string	Signzy response code. S001 = Account verified, S003 = Account not found.

Error Codes

HTTP Status Code	Error Code	Description
400	E001	Bad Request
401	E101	Unauthorized Access
403	E201	Forbidden
404	E301	Data Not Found
409	E401	Upstream error
429	E501	Rate Limit Exceeded
500	E601	Internal Server Error
503	E701	Service Unavailable
504	E801	Timeout

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