The Validate API service allows our customers to validate bank details, we have a number of core validation calls depending on if you are searching for entity names or you are validating bank coordinates.
These calls are designed to be used throughout your client facing pages, your internal user systems and your core banking systems. They can be accesses either as a API to integrate into your user interfaces and core banking systems to check the clients data or as user interfaces or white labelled service for your internal or external clients.
The services give our clients the opportunity to ensure the payment details are correct and allows you to validate additional details or pull in supporting data or to gather additional information during the payment lifecycle. Some of the additional data includes:
- Correspondent data – including best routing calls
- Holiday information
- Clearing network information giving the connectivity of the banks to the domestic clearing networks
- Payment reason codes
- Other additional data requirements to ensure payments STP
- Branch information in local languages
- Name searching
Validation
Below is some more information on the calls and links to our APIs so you and your team can look at the services that are available.
Simple Core Validation Call
This endpoint allows you to validate the bank code and account number details. The integration is simple and only requires 3 fields to be submitted.
The call is configurable in the self-service hub which you can log into at the link below from the log in button
https://www.applyfinancial.co.uk/
Detailed Core Validation Call
We have added a new core validation call. This call has the same validation as the previous call, but it is more functionally rich.
The call has additional features which include
- Holiday data
- Additional payment requirements flags including
- Payment Purpose Codes
- Beneficiary telephone number
- Beneficiary address
- National id
- Etc
- Address checks
- Charge types
The additional optional fields will allow us to integrate open banking and other features into this service as our developments are delivered.
We have also expanded the recommendations to give you recommendations for domestic and non-domestic currencies by default and the SWIFT connected BIC.
We also can deliver the branch details in other languages and we have an indicator for which languages are available.
The documentation for this call is available at the link below
https://documents.validate.bankersalmanac.com/validating-all-the-creditors-beneficary-details/
Search for Bank By Name
A number of our clients still support search by bank name, so we have provided this functionality then we have a call available to allow you to do this. The call allows you to search, paginate and manage your responses.
https://documents.validate.bankersalmanac.com/validate-api-2/api-flow-bank-name-search/78-2/
And once you have found the branch you can validate the account number using the branch details using the validate account call which is documented here.
Local Language
We can provide the bank details back in the local language, this call can be found here
https://documents.validate.bankersalmanac.com/validate-api-2/local-language/
Creating User Interfaces
This call allows our clients to call back the country search requirements, its designed to allow assist our clients in building UIs with the correct fields and to ensure that they can perform basic validation on their UI data fields. It tells our clients what search formats are valid for the country, an overview of the formats, help text, and tells you additional data that is required.
Key Features of this call are
- Bank code and bank account formats to use to ensure your customer knows the format of the
account that your user must enter for a payment.
- Includes help and examples so the customer can easily see what the account format is like.
- Ability to configure to add data to meet your companies’ risk and compliance requirements
- Country requirements for 11 different data types with help and examples including :
o Payment purpose codes
o Addresses
o Tax codes
o Telephone numbers
o Country and Currency names
o Holiday information
- Ability to configure data fields in our self-service hub to meet your companies’ risk and compliance requirements
The details on this call are in the link below
https://documents.validate.bankersalmanac.com/search-and-field-requirements/
Additional Data
Country and Currency Data
These calls give ISO country and currency codes and names for the ISO details. This is free to use.
https://documents.validate.bankersalmanac.com/validate-api-2/country-and-currency-data/
Correspondents
We have a number of correspondent calls but the core call is below
We also have best routing calls and are updating our logic at the moment to give our clients more options and control over the best routing.
Payment Reason Codes
We can both deliver the payment reason codes to you and validate the payment code through this call
https://documents.validate.bankersalmanac.com/validating-or-retrieving-a-payment-reason-code/
Holiday Data
We deliver the holiday data and a calculator for t + date here and the documentation for this call is just being updated but it is both a calculator and a delivery mechanism for the holiday data for each country/currency.
https://documents.validate.bankersalmanac.com/holiday-data-request/
Information on Clearing Networks
This is available here, and the networks are being documented individually.