Bank Account Verification

Verify Bank Account

Returns a status indicating that bank account information is valid for receiving transactions.

POST

https://api.basistheory.com/enrichments/bank-account-verify

Permissions

token:use

Request

cURL

Using “bank“ token type

curl --location 'https://api.basistheory.com/enrichments/bank-account-verify' \
--header 'BT-API-KEY: <API_KEY>' \
--header 'Content-Type: application/json' \
--data '{
    "token_id":"5dae2960-8d7d-11ef-806c-1b5325d52a83",
    "country_code": "US"
}'

Using “us_bank_account_number“ token type

curl --location 'https://api.basistheory.com/enrichments/bank-account-verify' \
--header 'BT-API-KEY: <API_KEY>' \
--header 'Content-Type: application/json' \
--data '{
    "token_id":"5dae2960-8d7d-11ef-806c-1b5325d52a83",
    "country_code": "US",
    "routing_number": "021000021"
}'

Request Parameters

Name	Type	Description
token_id	String	The ID of the token containing the bank information. Token type must be either bank or us_bank_account_number.
country_code	String (Optional)	The two character ISO country code. Default: US
routing_number	String (Optional)	The routing number of the bank account. Only applicable if the token referenced by token_id is of type us_bank_account_number

Response

Returns the status of the bank account. If the status is enabled, then the bank account is available to receive ACH transactions. When the status is disabled, then the bank account is either closed or could not be found. Disabled accounts are not available to receive ACH transactions.

{
  "status": "enabled"
}

Name	Type	Description
status	String	Either enabled, disabled, inconclusive

Statuses

The following table describes the meaning of each status.

Value	Description
enabled	The bank account was found and is able to accept ACH transfers.
disabled	The bank account could not be found or validated. ACH transfers to this account will fail.
inconclusive	The bank account could not be found and validation was inconclusive. The account may be able to accept ACH transfers.