The Account Status Verification (ASV) API call indicates whether or not the account number and routing number provided by you in the request are under enabled or disabled statuses. We, in return will provide you with the Pass or Fail responses.

You can connect to ASV services via 1.0.15 endpoint (valid subscription is required).

Request

POST  https://api.validate.bankersalmanac.com/account-status-verification

Authentication

Authentication occurs using a username and password. It uses a POST request, consumes application/x-www-form urlencoded, and produces application/json.

Example Request:

"curl -H "Content-Type: application/x-www-form-urlencoded" \
--data-urlencode "username=test_user" \
--data-urlencode "password=test_user_password" \

Sample Request body

{
    "cdtrCtryCde": "US",
    "cdtrNatId": "112288",
    "cdtrAcct": "68745612",
}

Sample Response

{   
    "status":"FAIL",
    "comment":"The routing number/account number provided is NOT available to receive ACH transactions. (15av)" 
} 

Parameter fields

Responses

The following table shows all possible errors, assuming authentication was successful:

The Account Status Verification will allow a CSP to request validation for ACH Credit and Debit accounts, and receive a response in real-time that the given account is enabled, disabled, or unable to locate the account.

The Account Status Verification provides an efficient way to satisfy the requirement in the Nacha Operating Rules that businesses initiating consumer ACH debits via the internet or mobile devices must verify that an account can receive an ACH instruction prior to making the first ACH request. The service can also be used for other purposes, as well as to augment best practices for verifying the status of a business, or consumer account prior to initiating a credit or debit ACH payment.

Any questions then please just ask, just email us at validate@lexisnexisrisk.com

A short DEMO video on how ASV works.