openapi: 3.2.0
info:
  title: 1 Verifications API
  version: '1'
servers:
- url: https://api.zwitch.io
security:
- sec0: []
tags:
- name: Verifications
paths:
  /v1/verifications/bank-account:
    post:
      summary: Bank Account Verification
      description: Use this API to verify the ownership and validity of a bank account.
      operationId: verifications-bank-account-create
      requestBody:
        content:
          application/json:
            schema:
              type: object
              required:
              - bank_account_number
              - bank_ifsc_code
              - merchant_reference_id
              properties:
                bank_account_number:
                  type: string
                  description: 'The bank account number you want to verify.<br><br>Example: `56733281905`'
                bank_ifsc_code:
                  type: string
                  description: 'IFSC of the bank you want to verify.<br><br>Example: `HDFC0000123`'
                force_penny_drop:
                  type: boolean
                  description: 'Use this parameter only when verifying a bank account.<br><br>Possible values:<br>- `true`: The penny drop is done even if penny drop verification was done before.<br>- `false` (default): Penny drop is done only if penny drop verification was not done before.'
                  default: false
                force_penny_drop_amount:
                  type: number
                  description: 'Use this parameter only when verifying a bank account.<br><br>The penny drop amount you want to transfer to the account. The `force_penny_drop_amount` must be between 1 and 2<br><br>Example: `1`'
                  format: float
                merchant_reference_id:
                  type: string
                  description: 'Unique identifier entered when creating the verification request.<br><ul><li>Only alphabets and numbers are allowed.</li><li>Minimum: 7 characters.</li><li>Maximum: 40 characters.</li></ul>Example: `1409614085`'
            examples:
              Verify Bank Account:
                value:
                  bank_account_number: '10000000000875'
                  bank_ifsc_code: HDFC0000123
                  force_penny_drop: true
                  force_penny_drop_amount: 1
                  merchant_reference_id: '1000875'
                  metadata:
                    key_1: DD
                    key_2: XOF
      responses:
        '200':
          description: '200'
          content:
            application/json:
              examples:
                Success:
                  value: "{\n  \"id\": \"accver_BhOM01sUb3tXprWwTGBLlKZVG\",\n  \"object\": \"bank_account_verification\",\n  \"bank_account_number\": \"10000000000165\",\n  \"bank_ifsc_code\": \"AAAA0001618\",\n  \"name_as_per_bank\": \"Ganga Reddy\",\n  \"force_penny_drop\": true,\n  \"force_penny_drop_amount\": 1,\n  \"status\": \"success\",\n  \"message\": \"Transaction Successful\",\n  \"last_verified_at\": \"2021-12-31\",\n  \"metadata\": {\n    \"key_1\": \"DD\",\n    \"key_2\": \"XOF\"\n  },\n  \"merchant_reference_id\": \"1409614085\",\n  \"created_at\": 1648030636,\n  \"is_sandbox\": true\n}"
                Failed:
                  value: "{\n  \"id\": \"accver_BhOM01sUb3tXprWwTGBLlKZVG\",\n  \"object\": \"bank_account_verification\",\n  \"bank_account_number\": \"10000000000165\",\n  \"bank_ifsc_code\": \"AAAA0001618\",\n  \"name_as_per_bank\": null,\n  \"force_penny_drop\": true,\n  \"force_penny_drop_amount\": 1,\n  \"status\": \"failed\",\n  \"message\": \"Invalid account number of IFSC.\",\n  \"last_verified_at\": null,\n  \"metadata\": {\n    \"key_1\": \"DD\",\n    \"key_2\": \"XOF\"\n  },\n  \"merchant_reference_id\": \"1409614085\",\n  \"created_at\": 1648030636,\n  \"is_sandbox\": true\n}"
              schema:
                oneOf:
                - title: Success
                  type: object
                  properties:
                    id:
                      type: string
                      example: accver_BhOM01sUb3tXprWwTGBLlKZVG
                    object:
                      type: string
                      example: bank_account_verification
                    bank_account_number:
                      type: string
                      example: '10000000000165'
                    bank_ifsc_code:
                      type: string
                      example: AAAA0001618
                    name_as_per_bank:
                      type: string
                      example: Ganga Reddy
                    force_penny_drop:
                      type: boolean
                      example: true
                      default: true
                    force_penny_drop_amount:
                      type: integer
                      example: 1
                      default: 0
                    status:
                      type: string
                      example: success
                    message:
                      type: string
                      example: Transaction Successful
                    last_verified_at:
                      type: string
                      example: '2021-12-31'
                    metadata:
                      type: object
                      properties:
                        key_1:
                          type: string
                          example: DD
                        key_2:
                          type: string
                          example: XOF
                    merchant_reference_id:
                      type: string
                      example: '1409614085'
                    created_at:
                      type: integer
                      example: 1648030636
                      default: 0
                    is_sandbox:
                      type: boolean
                      example: true
                      default: true
                - title: Failed
                  type: object
                  properties:
                    id:
                      type: string
                      example: accver_BhOM01sUb3tXprWwTGBLlKZVG
                    object:
                      type: string
                      example: bank_account_verification
                    bank_account_number:
                      type: string
                      example: '10000000000165'
                    bank_ifsc_code:
                      type: string
                      example: AAAA0001618
                    name_as_per_bank: {}
                    force_penny_drop:
                      type: boolean
                      example: true
                      default: true
                    force_penny_drop_amount:
                      type: integer
                      example: 1
                      default: 0
                    status:
                      type: string
                      example: failed
                    message:
                      type: string
                      example: Invalid account number of IFSC.
                    last_verified_at: {}
                    metadata:
                      type: object
                      properties:
                        key_1:
                          type: string
                          example: DD
                        key_2:
                          type: string
                          example: XOF
                    merchant_reference_id:
                      type: string
                      example: '1409614085'
                    created_at:
                      type: integer
                      example: 1648030636
                      default: 0
                    is_sandbox:
                      type: boolean
                      example: true
                      default: true
        '401':
          description: '401'
          content:
            application/json:
              examples:
                Result:
                  value: "{\n  \"error\": {\n    \"type\": \"authentication_error\",\n    \"message\": \"Invalid secret key.\"\n  }\n}"
              schema:
                type: object
                properties:
                  error:
                    type: object
                    properties:
                      type:
                        type: string
                        example: authentication_error
                      message:
                        type: string
                        example: Invalid secret key.
        '422':
          description: '422'
          content:
            application/json:
              examples:
                Result:
                  value: "{\n  \"error\": {\n    \"type\": \"invalid_request_error\",\n    \"message\": \"Beneficiary was verified recently. Please re-try after 10 minutes\"\n  }\n}"
              schema:
                oneOf:
                - type: object
                  properties:
                    error:
                      type: object
                      properties:
                        type:
                          type: string
                          example: invalid_request_error
                        code:
                          type: string
                          example: parameter_missing
                        message:
                          type: string
                          example: The bank_ifsc_code field format is invalid
                        param:
                          type: string
                          example: bank_ifsc_code
                - type: object
                  properties:
                    error:
                      type: object
                      properties:
                        type:
                          type: string
                          example: invalid_request_error
                        message:
                          type: string
                          example: Beneficiary was verified recently. Please re-try after 10 minutes
      deprecated: false
      tags:
      - Verifications
components:
  securitySchemes:
    sec0:
      type: apiKey
      name: Authorization
      in: header
      x-bearer-format: bearer
      x-default: ''
x-readme-fauxas: true
x-provenance:
  method: searched
  source: https://developers.zwitch.io/reference
  harvested: '2026-10-14'
  tool: harvest-readme-openapi.py
  note: Assembled verbatim from the OpenAPI definition ReadMe embeds in each operation page of the provider's developer portal; paths and components merged by API title, nothing authored.
  assembled_from:
  - https://developers.zwitch.io/reference/accounts-get-all.md
  - https://developers.zwitch.io/reference/accounts-get-balance.md
  - https://developers.zwitch.io/reference/accounts-get-by-id.md
  - https://developers.zwitch.io/reference/accounts-get-statement.md
  - https://developers.zwitch.io/reference/accounts-virtual-deactivate.md
  - https://developers.zwitch.io/reference/accounts-virtual-test-balance.md
  - https://developers.zwitch.io/reference/bank-account-verification-copy-1.md
  - https://developers.zwitch.io/reference/batch-refund-api.md
  - https://developers.zwitch.io/reference/beneficiaries-bank-account-create.md
  - https://developers.zwitch.io/reference/beneficiaries-delete.md
  - https://developers.zwitch.io/reference/beneficiaries-get-all.md
  - https://developers.zwitch.io/reference/beneficiaries-get-by-id.md
  - https://developers.zwitch.io/reference/beneficiaries-update.md
  - https://developers.zwitch.io/reference/constants-business-categories.md
  - https://developers.zwitch.io/reference/constants-business-types.md
  - https://developers.zwitch.io/reference/constants-ifsc.md
  - https://developers.zwitch.io/reference/constants-state-codes.md
  - https://developers.zwitch.io/reference/create-payment-token.md
  - https://developers.zwitch.io/reference/get-all-sub-accounts.md
  - https://developers.zwitch.io/reference/get-sub-account-by-id.md
  - https://developers.zwitch.io/reference/requery-batch-refund.md
  - https://developers.zwitch.io/reference/status-check-api-with-payment_token.md
  - https://developers.zwitch.io/reference/transfers-bulk-by-id.md
  - https://developers.zwitch.io/reference/transfers-bulk-create.md
  - https://developers.zwitch.io/reference/transfers-bulk-get-all.md
  - https://developers.zwitch.io/reference/transfers-get-all.md
  - https://developers.zwitch.io/reference/transfers-get-by-id.md
  - https://developers.zwitch.io/reference/transfers-virtual-accounts-create-to-account-beneficiary.md
  - https://developers.zwitch.io/reference/update-sub-account.md
  - https://developers.zwitch.io/reference/upi-qr-intent-string.md
  - https://developers.zwitch.io/reference/verifications-bank-account-create.md
  - https://developers.zwitch.io/reference/verifications-name-create.md
  - https://developers.zwitch.io/reference/verifications-pan-create.md
  - https://developers.zwitch.io/reference/verifications-vpa-create.md
  - https://developers.zwitch.io/reference/webhooks-get-all-events.md
  merge:
    pages: 35
    deduped: 34
    conflicts_kept_first: 1