Bank Verification Services provides real-time account verification and check verification for consumers or businesses, so you can be confident an account is valid prior to enrolling customers or processing check or ACH transactions.
Real-time account verification.
N/A
| Parameter | Type | Required | Description |
| accounts | node | Y | List of accounts that need to be verified. |
| uniqueId | string | Y | A username or user ID in your own records, e.g. "Simulatedusername", "98765432". |
| depositType | string | Y | Bank account deposit type which can be either "Business" or "Personal". |
| first_name | string | Y | John |
| last_name | string | Y | Doe |
| company_name | string | Y | Test Company |
| routingNumber | string | Y | Routing/Transit Number as printed on the Check. |
| accountNumber | string | Y | Bank account number as printed on the Check. |
| accountType | string | Y | Checking or Savings |
| test | node | Y | Use Sandbox 1 "Yes" or 0 "No" |
PHP Sample Request: (json format)
$data = array(
'accounts' => array(
'0' => array(
'uniqueId' => time(),
'depositType' => 'Business',
'first_name' => 'John',
'last_name' => 'Doe',
'company_name' => 'Test Company',
'routingNumber' => '{routing number}',
'accountNumber' => '{account number}',
'accountType' => 'Checking'
),
'1' => array(
'uniqueId' => time(),
'depositType' => 'Personal',
'depositType' => 'Business',
'first_name' => 'John',
'last_name' => 'Doe',
'company_name' => 'Test Company',
'routingNumber' => '{routing number}',
'accountNumber' => '{account number}',
'accountType' => 'Checking'
)
),
'test' => 1
);
$data_string = json_encode($data);
$url = 'https://demo.goodfundsgateway.com/api/bankVerfiy.json';
$ch = curl_init($url);
curl_setopt($ch, CURLOPT_CUSTOMREQUEST, "POST");
curl_setopt($ch, CURLOPT_SSLVERSION, 6);
curl_setopt($ch, CURLOPT_POSTFIELDS, $data_string);
curl_setopt($ch, CURLOPT_RETURNTRANSFER, true);
curl_setopt($ch, CURLOPT_HTTPHEADER, array(
'Content-Type: application/json',
'Content-Length: ' . strlen($data_string),
'svs-api-id: [SVS-API-ID]',
'svs-api-key: [SVS-API-KEY]')
);
$result = curl_exec($ch);
$err = curl_error($ch);
curl_close($ch);
if ($err) {
echo "cURL Error #:" . $err;
} else {
echo $result;
}
Response data: (json format)
{
"data": [
{
"uniqueId": "1495221111",
"verificationResponse": "NegativeData"
},
{
"uniqueId": "1495221113",
"verificationResponse": "PrivateBadChecksList"
},
{
"uniqueId": "1495221119",
"verificationResponse": "NoData"
},
{
"uniqueId": "1495221121",
"verificationResponse": "Declined"
},
{
"uniqueId": "1495221122",
"verificationResponse": "RejectItem"
},
{
"uniqueId": "1495221123",
"verificationResponse": "AcceptWithRisk"
},
{
"uniqueId": "1495221124",
"verificationResponse": "PassNdd"
},
{
"uniqueId": "1495221126",
"verificationResponse": "Pass"
}
]
}