External account verification

Learn how to verify external accounts with Mambu Payments (formerly Numeral)

External account verification enables companies to verify external accounts prior to sending or collecting payments.

Account verification object

AttributeDescription
result
string
Account verification result. It can be:
- pending_verification: verification is pending
- valid: results are available and all verifications are valid
- invalid: results are available but at least one verification is invalid
valid_account_number
object
Account number verification result, including a result string and a details object.
matching_account_number_and_bank_code
object
Bank code verification result, including a result string and a details object.
matching_account_holder
object
Account holder verification result.
- For counterparty_account of type legal_entity, it includes the company_registration_number verification result.
- For counterparty_account of type individual, it includes the account_holder_name verification.
It always includes a result string and a details object.
active_account
object
Account activity verification result, including a result string and a details object.
created_at
object
The UTC timestamp of the account verification.

Below is an example of an account_verification object for a counterparty account with all verifications valid:

{
  "account_verification": {
    "result": "valid",
    "valid_account_number": {
      "result": "valid",
      "details": {
        "reason": "",
        "message": ""
      }
    },
    "matching_account_number_and_bank_code": {
      "result": "valid",
      "details": {
        "reason": "",
        "message": "",
        "expected_value": ""
      }
    },
    "matching_account_holder": {
      "result": "valid",
      "details": {
        "reason": "",
        "message": "",
        "expected_value": ""
      }
    },
    "active_account": {
      "result": "valid",
      "details": {
        "reason": "",
        "message": ""
      }
    },
    "created_at": "2022-01-03T11:53:19.734182Z"
  }
}

Verification object

Every verification has its own object, with a result string and a details object as follows:

AttributeDescription
result
string
The result of the sub-item verification. It can be valid, invalid, impossible_to_verify or not_verified.
details
object
The details of the sub-item result, in case it is not valid.
details.reason
string
The reason why the the sub-item is not valid, represented by a reason code. Please find below the list of possible reason codes per sub-item.
details.message
string
A comprehensive message describing the reason.
details.expected_value
string
For matching_account_number_and_bank_code, the bank code matching the account number, if a not-matching bank code has been provided.
For matching_account_holder, the holder's name found as matching the holder's name provided.

Verification reasons

active_account

ReasonMessage
inactiveThe account is inactive.
unknownImpossible to get the account's activity status.

valid_account_number

ReasonMessage
unauthorized_charactersThe account number has unauthorised characters.
incorrect_account_check_digitThe account number checksum is incorrect.
incorrect_iban_check_digitThe IBAN checksum is incorrect.
incorrect_structureThe account number has an invalid structure.
incorrect_lengthThe account number has an incorrect number of characters.
country_doesnt_support_ibanThe country does not support IBAN.
unsupported_account_number_kindAccount number type is not supported

matching_account_number_and_bank_code

ReasonMessageExpected value
bic_not_matchingBank code and account number do not match. Account number belongs to the suggested bank code.Valid bank code
could_not_verifyImpossible to retrieve the bank code associated to this account number.

matching_account_holder

ReasonMessage
close_matchThe holder entered is a close match to the registered holder.
no_matchThe holder entered does not match the registered holder.
could_not_matchImpossible to match the registered holder.

Test cases

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Test cases

Use our pre-made test cases to test and validate your integration.