Bank Account Verification in Real Time

Know if a bank account number is correct, and the name of the account holder at the bank instantly.

[LIVE NOW] Now also verify UPI ID or VPA instantly

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Our customers include

Instant bank account verification for all.

Verify before you onboard
Validate before you pay.

Cashfree API automates bank account validation and allows businesses to find bank account details at the time of onboarding of delivery partners, peer merchants etc.

Explore use cases

Vendor onboarding, employee onboarding, borrower KYC - Cashfree has you covered.

Cashfree API automates bank account validation and allows businesses to find bank account details at the time of onboarding of delivery partners, peer merchants etc.

Highly scalable & secure

A powerful API that integrates with your company internal system to automate verification. Get a response without exposing data to a third party.

Cashfree API automates bank account validation and allows businesses to find bank account details at the time of onboarding of delivery partners, peer merchants etc.

Optimize your payouts success rates

Verify accounts before sending money and minimise reversals and failed transfers.

Are you a developer?

Checkout the API documentation

FAQ: Bank Account Verification

On cashfree you can verify a/c numbers instantly. As you submit the request, our API gives an instant response.

The verification can be done for all the a/c of recognized Indian banks including all public banks, private banks and 126+ co-operative banks*.

Note: Verification may not be possible for some co-operative banks' a/cs.

On Cashfree, you can do verification for any number of Indian bank accounts via two modes:

1) Manual entry on Cashfree Bank account verification dashboard.
Here you will be required to enter only two details: Indian bank account number and IFSC.

2) Using API
This is an integrated automated way to do bulk verification. The API can be integrated with existing company internal system or ERP and then request can be pushed directly using API.

No, there is no such limit. You can use the fetaure to verify any number of a/cs in a day 24*7.

KYC or “Know Your Customer” is a process to be undertaken by businesses especially financial institutions to obtain information about the identity and address of the customers. One of the key document is bank account details as the same is regarded as valid proof for the identity of a person/entity.

While onboarding vendors, delivery partners, or even employees, an organisation needs to do a bank account verification. Using Cashfree API, this process can be automated and integrated with existing company internal system so that the bank verification process happens smoothly, without exposing the data to any third party.

The capability to verify a/c can be used in multiple business scenarios such as

1) employee background check : a recruitment agency can use the feature for candidate's background check

2) Vendor onboarding: a marketplace splitting commission with different vendors can use the feature to verify the a/c details at the time of onboarding the vendor, this also helps in correct payments later on. The ability to integrate the API with existing ERP helps in reducing operational effort and saves cost.

No, Cashfree Payouts users get the verification API as part of Payouts.When you send money via Payouts, the a/c of the beneficiary is verified automatically. Hence if you opt for Cashfree Payouts, you will be using verification feature at no additional cost.

Yes, if you are using Cashfree marketplace settlement and want to use verification API as well, you need to opt for the feature seperately. Our experts will help you with integration and you will be able to use Cashfree marketplace settlement and verification feature together.

Our Plug and Play integrated a/c number verification API helps you confirm bank account validity. By accessing updated data, the risk of identity fraud and incorrect/incomplete data is reduced. The result such as account holder’s name shown to you will be exactly as it appears in bank records.

FAQ: UPI ID or VPA Verification

UPI ID (also called Virtual Payment Address or VPA) is a unique ID you need to create in order to send and accept money via UPI . Once a UPI address is created and mapped against your existing bank account, you can simply share your UPI address (eg. abc@okaxis) with the payer.

As a business, the ability to verify a UPI ID comes handy. The different use cases can be

  • Background verification at the time of onboarding a new user/vendor
  • Before releasing payment to a UPI ID

Cashfree provides instant means to verify if the UPI ID is valid and shows name of the account holder.

On cashfree you can verify any number of UPI IDs instantly. As you submit the request, our API gives an instant response.

On Cashfree, you can do verification for any number of UPI IDs of individuals or entities via two modes:

1) Manual entry on Cashfree UPI ID verification dashboard.
Here you will be required to enter only one detail: UPI ID (eg abc@okaxis)

2) Using API
This is an integrated automated way to do bulk verification. The API can be integrated with existing company internal system or ERP and then request can be pushed directly using API.

No, there is no such limit. You can use the feature to verify any number of UPI IDs in a day 24*7.

No, Cashfree Payouts users get the verification API as part of Payouts. When you send money via Payouts to any UPI ID, the ID of the beneficiary is verified automatically. Hence if you opt for Cashfree Payouts, you will be using verification feature at no additional cost.

Do Instant Verification

Verify bank account or UPI ID using powerful APIs automatically.

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Banking with:

ICICI Bank
Axis Bank
HDFC Bank
Indus Ind Bank

and more