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POST
https://api.stablepay.global
/
v2
/
users
/
{userId}
/
kyc
/
bank
/
verify
Verify Bank Account
curl --request POST \
  --url https://api.stablepay.global/v2/users/{userId}/kyc/bank/verify \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "accountNumber": "<string>",
  "ifsc": "<string>",
  "accountHolderName": "<string>",
  "deviceId": "<string>"
}
'

​
Verify Bank Account

Verifies bank account ownership via penny drop (₹1 transfer). This is a required verification for KYC completion.
​
accountNumber
string
required
Bank account number (9-18 digits)
​
ifsc
string
required
IFSC code (11 characters, e.g., HDFC0001234)
​
accountHolderName
string
required
Name on account (must match Aadhaar name)
​
deviceId
string
required
Device fingerprint/ID for FIU compliance. Must be captured from the client device.

​
Request

curl -X POST https://api.stablepay.global/v2/users/usr_abc123/kyc/bank/verify \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "accountNumber": "1234567890",
    "ifsc": "HDFC0001234",
    "accountHolderName": "Rahul Kumar",
    "deviceId": "device-fingerprint-12345"
  }'

​
Response

{
  "success": true,
  "data": {
    "verified": true,
    "bankName": "HDFC Bank",
    "branch": "Mumbai Main Branch",
    "accountHolderName": "RAHUL KUMAR",
    "maskedAccountNumber": "XXXXXX7890",
    "ifsc": "HDFC0001234"
  }
}

​
Name Matching

The account holder name from the bank must match the user’s Aadhaar name with at least 70% similarity. If names don’t match: 
{
  "success": false,
  "error": "Name Mismatch",
  "message": "Account holder name does not match Aadhaar name",
  "data": {
    "expected": "RAHUL KUMAR",
    "found": "R KUMAR",
    "matchScore": 65
  }
}

​
Errors

CodeDescription
VALIDATION_ERRORInvalid account number or IFSC format
VERIFICATION_FAILEDPenny drop transfer failed
NAME_MISMATCHAccount holder name doesn’t match Aadhaar
ALREADY_VERIFIEDBank account already verified for this user