How to use International Account Verification

The International Account Verification API allows you to verify whether a bank account (IBAN or local account number) belongs to a specific individual or business. This helps reduce failed payouts, prevent fraud, and support compliance checks in over 30 countries.

Verify account ownership globally: Confirm if the account belongs to the named user.
Reduce payment errors: Prevent failed or misrouted transactions.
Strengthen KYC/AML compliance: Add a lightweight ownership check across markets.
Protect against fraud: Validate that users control the payout account provided.

This guide explains how the product works, supported markets, expected responses, and how to get started with the API.

How It Works

The International Account Verification API checks whether the provided account number (or IBAN) belongs to the named individual or business. The process works by matching the name you provide with the one registered on the account, via direct bank integrations or verified third-party sources.

When using name-based verification, we return one of three match statuses based on the similarity between the provided name and the name associated with the account:

Match: The name on the account exactly matches the provided name and the account ownership has been successfully verified. In API responses this is returned as "account_ownership_verified": true

No match: The name does not match the account holder’s name. A no match is determined when the similarity score between the provided name and the account owner's name is below 0.7. In API responses this is returned as "account_ownership_verified": false

Partial match: The name is similar but not an exact match. Partial matches indicate a high likelihood of ownership. Where "account_ownership_verified" is returned as 'false' we check for partial matches;

If the similarity score is equal to or above the threshold (0.7), it is considered a partial match
The scoring is on a scale from 0-1, with 0 being no match and 1 being the highest similarity between the two names provided
Anything below the threshold will result in 'no match' to the 'match' attribute and this can be confirmed that the account is not verified
The API response will return "matching: partial" along with the match score

Account holder name

Whether the account holder name is returned depends on the country and data provider.

The name is always used for verification, but may not be shared in the response due to local privacy rules.
In some cases, you’ll receive a masked version (e.g., J*** S****).
In others, the name may be fully omitted, even if a match is found - see ‘Country coverage’ below for clarification on what will be returned by country.

Country coverage

Country	Coverage	Account type	Is account holder name returned?	Currency restriction	Response Time
US (Analytics-based)	All ABA-registered institutions	Unknown	Restricted	None mentioned	1–10 seconds
US (Logic-based)	All ABA-registered institutions	Unknown	Not validated	None mentioned	1–10 seconds
US (Direct-to-FI)	All RTP Network Participating FIs (~483 banks)	Unknown	No name/ownership check	None mentioned	1–10 seconds
India	855+ banks (IMPS)	Retail	Yes	INR only	3–7 seconds
Indonesia	142 major banks	Retail	Yes	Not specified	2–3 seconds
Vietnam	43 major banks (NAPAS)	Retail	Yes	VND only	2–3 seconds
Nigeria	40 major banks	Retail	Yes	Not specified	2–5 seconds
Nepal	23 major banks	Retail	Yes (match_score > 0.8)	Not specified	2–3 seconds
Pakistan	32 major banks	Retail	Yes	PKR only	2–3 seconds
China (Individuals)	2,000+ UnionPay institutions	Retail	Restricted	Not specified	2–3 seconds
China (Institutions)	141 major banks	Corporate	Yes (exact match only)	Not specified	8–12 seconds
UK	~393 institutions (CoP)	Retail	Partial only	GBP only	2–5 seconds
South Korea	48 major banks	Retail	Yes	KRW only	2–3 seconds
Bangladesh	3 banks (Mutual Trust, Dhaka Bank, Eastern)	Retail	Restricted	Not specified	2–3 seconds
Uganda	22 major banks	Retail	Yes	Not specified	2–5 seconds
Brazil	148 major banks	Retail	Yes	BRL only	5–8 seconds
Mexico	129 major banks	Retail	Yes	MXN only	5-10 seconds
Argentina	63 major banks	Retail	Yes	ARL only	2–5 seconds
Belgium	All financial institutions	Business only	Yes	Not specified	5–10 seconds
Italy	All financial institutions	Business only	Yes	Not specified	5–10 seconds
Uruguay	17 major banks	Retail	Masked	Not specified	5–8 seconds
Peru	4 major banks	Retail	Yes	Not specified	5–8 seconds
Malaysia	37 major banks	Retail	Yes	MYR only	2–3 seconds
Turkey	50+ banks	Retail	Masked	TRY only	2–5 seconds
South Africa	11 major banks	Retail	Certainty of existence, not always name	Not specified	5–8 seconds
France	All financial institutions	Business only	Yes	Coming soon	Coming soon
Netherlands	All financial institutions	Business only	Yes	Coming soon	Coming soon
Poland	All financial institutions	Business only	Yes	Coming soon	Coming soon
Chile (coming soon)	20 major banks	Retail	Yes	Coming soon	Coming soon
Colombia (coming soon)	1 bank (Bancolombia), more in progress	Retail	Yes	Coming soon	Coming soon
Ecuador (coming soon)	3 banks (Guayaquil, Pacific, Produbanco)	Retail	Yes	Coming soon	Coming soon

Request data by country

The table below outlines what is required to make a request based on the country you are verifying an account for.

Country	Name Required	Registration ID Required	Account ID Type	Agent Code Required	Notes / Special Requirements
Bangladesh	Yes	No	Beneficiary Account ID	BIC
Brazil	Yes	CPF or CNPJ	IBAN	No	CPF in 000.000.000-00 or CNPJ in 00.000.000/0000-00 format
Mexico	Yes	No	CLABE	No
Uganda	Yes	No	Beneficiary Account ID	BIC
Argentina	Yes	No	CBU	No
Belgium	Yes	VAT, Company No. as reg_id	IBAN	No	Registration ID for business
Italy	Yes	VAT as reg_id	IBAN	No	Registration ID for business
Uruguay	Yes	No	Beneficiary Account ID	BIC
Peru	Yes	No	CCI	No
Malaysia	Yes	No	Beneficiary Account ID	BIC
Turkey	Yes	No	IBAN	No
South Africa	Yes	No	Beneficiary Account ID	BIC or branch code	Branch code as clearing system ID allowed
US	Yes (given_name and surname)	No	Beneficiary Account ID	ABA/Routing Number	Depends on node type: analytics, logic, or direct-to-FI
India	Yes	No	Beneficiary Account ID	IFSC Code
Indonesia	Yes	No	Beneficiary Account ID	BIC
Vietnam	Yes	No	Beneficiary Account ID	BIC
Nigeria	Yes	No	NUBAN	BIC
Nepal	Yes	No	Beneficiary Account ID	BIC
Pakistan	Yes	No	Beneficiary Account ID	BIC
China (individual)	Yes (Chinese)	No	Beneficiary Account ID	No	Name in Chinese characters
China (business)	Yes	Uniform credit code	Beneficiary Account ID	BIC	18-char alphanumeric code as registration_id
UK	Yes	No	Beneficiary Account ID or IBAN	Sort code
South Korea	Yes	No	Beneficiary Account ID	BIC or local code
France	Yes	VAT, SIREN as reg_id	IBAN	No	Business only
Netherlands	Yes	VAT as reg_id	IBAN	No	Business only
Poland	Yes	VAT, NIP, REGON as reg_id	IBAN	No	Business only
Chile (coming soon)	Yes	RUT as reg_id	Beneficiary Account ID	BIC or local code
Colombia (coming soon)	Yes	No	Beneficiary Account ID	BIC or local code
Ecuador (coming soon)	Yes	No	Beneficiary Account ID	BIC or local code