It is a form of bank account validation in which a penny, usually INR 1 is deposited in bank A/C. It verifies the authenticity and status of the customer’s bank account.
In Penny-drop custom, a maximum of INR 2 is deposited in user bank A/C and the user has to enter the amount deposited in their bank account.
In request, pass the bank account number and IFSC code. Name of the bank account holder can be passed in order to get a fuzzy name match score between the name passed in the request and the name returned from the bank.
Note : Copy the CURL only after filling the input parameters
For API Base URL's, click here. Kindly append the Base URL to the API endpoints below to integrate
➔ Amount for the PennyDrop operation. By default: 1 rupee is credited
Constraints: Min 1┃Max 2
beneficiary_account_no*
string
➔ Bank account number that has to be verified
Constraints: 8 to 18 chars
beneficiary_ifsc*
string
IFSC Code of the bank account that has to be verified
narration
string
Optional, Narration field
unique_request_id
string
Unique request id for traceability of request and recon purpose. Businesses are required to pass unique id for every request.
beneficiary_name
string
(Optional) Name of the bank account holder. Pass only if you want to perform a fuzzy match as part of the same request. Name match score between this and name from bank will be returned in result
validation_mode
enum
➔
Allowed: PENNY_LESS┃PENNY_DROP┃AUTO
API Server
https://api.digio.in
Authentication
Required (None Applied)
curl-X POST "https://api.digio.in/v4/client/verify/bank_account"\-H'accept: application/json'
RESPONSE
application/json
object
Single line description
Field
Type
Description
id*
string
ID associated with the verification request
verified*
boolean
Verification Status (true/false)
verified_at*
date-time
Timestamp at which verification took place
beneficiary_name_with_bank
string
Beneficiary Name according to the bank
error_msg
string
Error Message if verification failed at bank's end
fuzzy_match_result
boolean
If beneficiary_name was sent in the request, this parameter shows the result of the fuzzy match of the name
fuzzy_match_score
integer
If beneficiary_name was sent in the request, this parameter represents the score of the name match
error_code
string
Error code received during verification
validation_mode
enum
➔ Account validation mode
Allowed: PENNY_LESS┃PENNY_DROP┃AUTO
application/json
object
Single line description
Field
Type
Description
details
string
Details about the exception. Usually contains the exception id for reference.