The Safe Payment Verification (SPV) API call indicates whether or not the name and surname (or business name) provided by you in the request are a reasonable match to a name associated with the account. We, in return will provide you with the Pass, Caution or Fail responses.

Request

POST  https://api.validate.bankersalmanac.com/safe-payment-verification

Authentication

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

SPV UK

For SPV UK, request body must contain: Customer Name, Bank Account, Sort code, Account Type (Business or Private).

Example request:

{
    "cdtrCtryCde": "GB",
    "cdtrFirstName": "Peter Smith",
    "cdtrLastName": "",
    "cdtrAcctType": "Personal",
    "cdtrNatId": "112288",
    "cdtrAcct": "68745612",
}

SPV Brazil

For Brazil, request body must contain: Customer Name, IBAN number and Registration ID (CPF or CNP) .

{
    "cdtrCtryCde": "BR",
    "cdtrFirstName": "Peter Smith",
    "cdtrLastName": "",
    "cdtrAcctType": "",
    "cdtrNatId": "",
    "cdtrAcct": "BR5599950505000010000000505C2",  "idType": "registration_id",  "idValue": "555.666.777-88", }

Mandatory Fields per country

Country	Country Code	First Name or Business	Surname	Account Number	BIC, Routing or National ID	Comments
	cdtrCtryCde	cdtrFirstName	cdtrLastName	cdtrAcct	cdtrNatId
USA	M	M	M	M	routing nr
UK	M	M	n/a	M	sort code
INDIA	M	M	n/a	M	ifsc code	INR accounts
INDONESIA	M	M	n/a	M	BIC
VIETNAM	M	M	n/a	M	BIC	VND accounts
NIGERIA	M	M	n/a	M	BIC
NEPAL	M	M	n/a	M	BIC
PAKISTAN	M	M	n/a	M	BIC	PKR accounts
S-KOREA	M	M	n/a	M	BIC	KRW accounts
CHINA	M	M	n/a	Card nr	n/a	UnionPay network, individuals only
BRAZIL	M	M	n/a	IBAN	n/a	Requires Registration ID nr xxx.xxx-xx

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

Name matching can be done for individuals or for companies. Name matching will be based on information provided in the cdtrFirstName and cdtrLastName values of the object.

If the desired name match is for a company, for the company name the Participant would like evaluated as being associated with the account set the company name as the cdtrFirstName value and do not provide a surname value.

{
    "cdtrCtryCde": "US",
    "cdtrFirstName": "Peter",
    "cdtrLastName": "Smith",
    "cdtrAcctType": "",
    "cdtrNatId": "11228821",
    "cdtrAcct": "687456120965",
}

SPV UK

For SPV UK, request body must contain: Customer Name, Bank Account, Sort code, Account Type (Business or Private).

Example request:

{
    "cdtrCtryCde": "GB",
    "cdtrFirstName": "Peter Smith",
    "cdtrLastName": "",
    "cdtrAcctType": "Personal",
    "cdtrNatId": "112288",
    "cdtrAcct": "68745612",
}

SPV Brazil

For Brazil, request body must contain: Customer Name, IBAN number and Registration ID (CPF or CNP) .

{
    "cdtrCtryCde": "BR",
    "cdtrFirstName": "Peter Smith",
    "cdtrLastName": "",
    "cdtrAcctType": "",
    "cdtrNatId": "",
    "cdtrAcct": "BR5599950505000010000000505C2",  "idType": "registration_id",  "idValue": "555.666.777-88", }

Mandatory Fields per country

Country	Country Code	First Name or Business	Surname	Account Number	BIC, Routing or National ID	Comments
	cdtrCtryCde	cdtrFirstName	cdtrLastName	cdtrAcct	cdtrNatId
USA	M	M	M	M	routing nr
UK	M	M	n/a	M	sort code
INDIA	M	M	n/a	M	ifsc code	INR accounts
INDONESIA	M	M	n/a	M	BIC
VIETNAM	M	M	n/a	M	BIC	VND accounts
NIGERIA	M	M	n/a	M	BIC
NEPAL	M	M	n/a	M	BIC
PAKISTAN	M	M	n/a	M	BIC	PKR accounts
S-KOREA	M	M	n/a	M	BIC	KRW accounts
CHINA	M	M	n/a	Card nr	n/a	UnionPay network, individuals only
BRAZIL	M	M	n/a	IBAN	n/a	Requires Registration ID nr xxx.xxx-xx

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

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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": "GB",
    "cdtrFirstName": "Peter Smith",
    "cdtrLastName": "",
    "cdtrAcctType": "Personal",
    "cdtrNatId": "112288",
    "cdtrAcct": "68745612",
}

Sample Response

{   "status":"PASS",
    "comment":"With the details that you have entered, a match with an account owner was found. (01av)" 
}

Parameter fields

Parameter	Type	Description
cdtrCtryCde	string	creditor’s country code (per ISO 3166-1 alpha-2)—currently only supports US
cdtrFirstName	string	creditor’s first name/business name
cdtrLastName	string	creditor’s last name (field applicable to US based accounts only)
cdtrAcctType	string	creditor’s account type (Business vs Private, applicable to GB)
cdtrNatId	string	creditor’s national ID, e.g., routing number for US, sort code for UK
cdtrAcct	string	creditor’s account number
token	string	value from authentication response

Responses

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

Error	Description	Response Comments	Status
01av	Match Found	With the details that you have entered, a match with an account owner was found.	PASS
02av	Partial Match Found	With the details that you have entered, a partial match with an account owner was found.	CAUTION
03av	No Match Found	With the details that you have entered, there is no match with an account owner.	FAIL
04av	No Data Found	With the details that you have entered, no data was found.	FAIL
05av	Service Unavailable	The service seems unavailable at the moment. Please try to connect again later.	FAIL
12av	Close Match Found	With the details that you have entered, a close match with an account owner was found.	PASS, CAUTION
17av	Match Unavailable – Account does not support SPV check.	With the details that you have entered, there is no available match. The account does not support SPV check.	FAIL
18av	Match Unavailable – Customer Opted Out	With the details that you have entered, there is no available match. The customer opted out from verification (GB only)	FAIL
19av	Match Unavailable – Account Switched	With the details that you have entered, there is no available match. The account has been switched (GB only)	FAIL
20av	Match Unavailable – Sort Code not found	With the details that you have entered, there is no available match. The sort code was not found (GB only)	FAIL
21av	Match Found, Account is a Business Account	With the details that you have entered, a match with an account owner was found. Account is a Business account, not a Personal one.	CAUTION
22av	Match Found, Account is a Personal Account	With the details that you have entered, a match with an account owner was found. Account is a Personal account, not a Business one.	CAUTION
23av	Partial Match Found, Account is a Business Account	With the details that you have entered, a partial match with an account owner was found. Account is a Business account, not a Personal one.	CAUTION
24av	Partial Match Found, Account is a Personal Account	With the details that you have entered, a partial match with an account owner was found. Account is a Personal account, not a Business one.	CAUTION

Country Specific fields

SPV USA

Name matching can be done for individuals or for companies. Name matching will be based on information provided in the cdtrFirstName and cdtrLastName values of the object.

{
    "cdtrCtryCde": "US",
    "cdtrFirstName": "Peter",
    "cdtrLastName": "Smith",
    "cdtrAcctType": "",
    "cdtrNatId": "11228821",
    "cdtrAcct": "687456120965",
}

SPV UK

For SPV UK, request body must contain: Customer Name, Bank Account, Sort code, Account Type (Business or Private).

Example request:

{
    "cdtrCtryCde": "GB",
    "cdtrFirstName": "Peter Smith",
    "cdtrLastName": "",
    "cdtrAcctType": "Personal",
    "cdtrNatId": "112288",
    "cdtrAcct": "68745612",
}

SPV Brazil

For Brazil, request body must contain: Customer Name, IBAN number and Registration ID (CPF or CNP) .

{
    "cdtrCtryCde": "BR",
    "cdtrFirstName": "Peter Smith",
    "cdtrLastName": "",
    "cdtrAcctType": "",
    "cdtrNatId": "",
    "cdtrAcct": "BR5599950505000010000000505C2",  "idType": "registration_id",  "idValue": "555.666.777-88", }

Mandatory Fields per country

Country	Country Code	First Name or Business	Surname	Account Number	BIC, Routing or National ID	Comments
	cdtrCtryCde	cdtrFirstName	cdtrLastName	cdtrAcct	cdtrNatId
USA	M	M	M	M	routing nr
UK	M	M	n/a	M	sort code
INDIA	M	M	n/a	M	ifsc code	INR accounts
INDONESIA	M	M	n/a	M	BIC
VIETNAM	M	M	n/a	M	BIC	VND accounts
NIGERIA	M	M	n/a	M	BIC
NEPAL	M	M	n/a	M	BIC
PAKISTAN	M	M	n/a	M	BIC	PKR accounts
S-KOREA	M	M	n/a	M	BIC	KRW accounts
CHINA	M	M	n/a	Card nr	n/a	UnionPay network, individuals only
BRAZIL	M	M	n/a	IBAN	n/a	Requires Registration ID nr xxx.xxx-xx

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

[/vc_column_text][/vc_column][/vc_row]

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": "GB",
    "cdtrFirstName": "Peter Smith",
    "cdtrLastName": "",
    "cdtrAcctType": "Personal",
    "cdtrNatId": "112288",
    "cdtrAcct": "68745612",
}

Sample Response

{   "status":"PASS",
    "comment":"With the details that you have entered, a match with an account owner was found. (01av)" 
}

Parameter fields

Parameter	Type	Description
cdtrCtryCde	string	creditor’s country code (per ISO 3166-1 alpha-2)—currently only supports US
cdtrFirstName	string	creditor’s first name/business name
cdtrLastName	string	creditor’s last name (field applicable to US based accounts only)
cdtrAcctType	string	creditor’s account type (Business vs Private, applicable to GB)
cdtrNatId	string	creditor’s national ID, e.g., routing number for US, sort code for UK
cdtrAcct	string	creditor’s account number
token	string	value from authentication response

Responses

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

Error	Description	Response Comments	Status
01av	Match Found	With the details that you have entered, a match with an account owner was found.	PASS
02av	Partial Match Found	With the details that you have entered, a partial match with an account owner was found.	CAUTION
03av	No Match Found	With the details that you have entered, there is no match with an account owner.	FAIL
04av	No Data Found	With the details that you have entered, no data was found.	FAIL
05av	Service Unavailable	The service seems unavailable at the moment. Please try to connect again later.	FAIL
12av	Close Match Found	With the details that you have entered, a close match with an account owner was found.	PASS, CAUTION
17av	Match Unavailable – Account does not support SPV check.	With the details that you have entered, there is no available match. The account does not support SPV check.	FAIL
18av	Match Unavailable – Customer Opted Out	With the details that you have entered, there is no available match. The customer opted out from verification (GB only)	FAIL
19av	Match Unavailable – Account Switched	With the details that you have entered, there is no available match. The account has been switched (GB only)	FAIL
20av	Match Unavailable – Sort Code not found	With the details that you have entered, there is no available match. The sort code was not found (GB only)	FAIL
21av	Match Found, Account is a Business Account	With the details that you have entered, a match with an account owner was found. Account is a Business account, not a Personal one.	CAUTION
22av	Match Found, Account is a Personal Account	With the details that you have entered, a match with an account owner was found. Account is a Personal account, not a Business one.	CAUTION
23av	Partial Match Found, Account is a Business Account	With the details that you have entered, a partial match with an account owner was found. Account is a Business account, not a Personal one.	CAUTION
24av	Partial Match Found, Account is a Personal Account	With the details that you have entered, a partial match with an account owner was found. Account is a Personal account, not a Business one.	CAUTION

Country Specific fields

SPV USA

Name matching can be done for individuals or for companies. Name matching will be based on information provided in the cdtrFirstName and cdtrLastName values of the object.

{
    "cdtrCtryCde": "US",
    "cdtrFirstName": "Peter",
    "cdtrLastName": "Smith",
    "cdtrAcctType": "",
    "cdtrNatId": "11228821",
    "cdtrAcct": "687456120965",
}

SPV UK

For SPV UK, request body must contain: Customer Name, Bank Account, Sort code, Account Type (Business or Private).

Example request:

{
    "cdtrCtryCde": "GB",
    "cdtrFirstName": "Peter Smith",
    "cdtrLastName": "",
    "cdtrAcctType": "Personal",
    "cdtrNatId": "112288",
    "cdtrAcct": "68745612",
}

SPV Brazil

For Brazil, request body must contain: Customer Name, IBAN number and Registration ID (CPF or CNP) .

{
    "cdtrCtryCde": "BR",
    "cdtrFirstName": "Peter Smith",
    "cdtrLastName": "",
    "cdtrAcctType": "",
    "cdtrNatId": "",
    "cdtrAcct": "BR5599950505000010000000505C2",  "idType": "registration_id",  "idValue": "555.666.777-88", }

Mandatory Fields per country

Country	Country Code	First Name or Business	Surname	Account Number	BIC, Routing or National ID	Comments
	cdtrCtryCde	cdtrFirstName	cdtrLastName	cdtrAcct	cdtrNatId
USA	M	M	M	M	routing nr
UK	M	M	n/a	M	sort code
INDIA	M	M	n/a	M	ifsc code	INR accounts
INDONESIA	M	M	n/a	M	BIC
VIETNAM	M	M	n/a	M	BIC	VND accounts
NIGERIA	M	M	n/a	M	BIC
NEPAL	M	M	n/a	M	BIC
PAKISTAN	M	M	n/a	M	BIC	PKR accounts
S-KOREA	M	M	n/a	M	BIC	KRW accounts
CHINA	M	M	n/a	Card nr	n/a	UnionPay network, individuals only
BRAZIL	M	M	n/a	IBAN	n/a	Requires Registration ID nr xxx.xxx-xx

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

[/vc_column_text][/vc_column][/vc_row]

Safe Payment Verification

Request

Authentication

SPV UK

SPV Brazil

Mandatory Fields per country

SPV UK

SPV Brazil

Mandatory Fields per country

Sample Request body

Sample Response

Parameter fields

string

creditor’s country code (per ISO 3166-1 alpha-2)—currently only supports US

creditor’s first name/business name

creditor’s last name (field applicable to US based accounts only)

string

creditor’s account type (Business vs Private, applicable to GB)

string

creditor’s national ID, e.g., routing number for US, sort code for UK

creditor’s account number

value from authentication response

Responses

Country Specific fields

SPV USA

SPV UK

SPV Brazil

Mandatory Fields per country

Sample Request body

Sample Response

Parameter fields

string

creditor’s country code (per ISO 3166-1 alpha-2)—currently only supports US

creditor’s first name/business name

creditor’s last name (field applicable to US based accounts only)

string

creditor’s account type (Business vs Private, applicable to GB)

string

creditor’s national ID, e.g., routing number for US, sort code for UK

creditor’s account number

value from authentication response

Responses

Country Specific fields

SPV USA

SPV UK

SPV Brazil

Mandatory Fields per country