API Test Keys

Validate VPA using Reverse Penny Drop

POST

/v1/fund_accounts/validations

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Use this endpoint to validate the bank account details via Reverse Penny Drop.

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Curl

1curl -u [YOUR_KEY]:[YOUR_SECRET] \
2-X POST https://api.razorpay.com/v1/fund_accounts/validations \
3-H "Content-Type: application/json" \
4-d '{
5  "source_account_number": "7878780080316316",
6  "validation_type": "upi_intent",
7  "reference_id": "112233",
8  "notes": {
9    "random_key_1": "Make it so",
10    "random_key_2": "Tea. Earl Grey. Hot."
11  }
12}'

Response - Initial

Response - After Payment

1{
2  "id": "fav_00000000000001",
3  "entity": "fund_account.validation",
4  "status": "created",
5  "utr": "123456789012",
6  "upi_intent": {
7    "intent_url": "upi://pay?pa=razorpayx@citibank&pn=RZPX%20PRIVATE%20LTD&mc=7413&cu=INR&am=1.00&tn=BAV&ver=01&mode=04&qrMedium=02&tr=RjY7anDJFuKQOB",
8    "phonepe_url": "phonepe://upi/pay?pa=razorpayx@citibank&pn=RZPX%20PRIVATE%20LTD&mc=7413&cu=INR&am=1.00&tn=BAV&ver=01&mode=04&qrMedium=02&tr=RjY7anDJFuKQOB",
9    "gpay_url": "tez://upi/pay?pa=razorpayx@citibank&pn=RZPX%20PRIVATE%20LTD&mc=7413&cu=INR&am=1.00&tn=BAV&ver=01&mode=04&qrMedium=02&tr=RjY7anDJFuKQOB",
10    "paytm_url": "paytmmp://upi/pay?pa=razorpayx@citibank&pn=RZPX%20PRIVATE%20LTD&mc=7413&cu=INR&am=1.00&tn=BAV&ver=01&mode=04&qrMedium=02&tr=RjY7anDJFuKQOB",
11    "bhim_url": "bhim://upi/pay?pa=razorpayx@citibank&pn=RZPX%20PRIVATE%20LTD&mc=7413&cu=INR&am=1.00&tn=BAV&ver=01&mode=04&qrMedium=02&tr=RjY7anDJFuKQOB",
12    "encoded_qr_code": "iVBORw0KGgoAAAANSUhEUgAAAQAAAAEAAQMAAABmvDolAAAABlBMVEX///8AAABVwtN+AAACWUlEQVR42uyYy3E7LRDEe4sDR0IglM1sH+"
13  },
14  "validation_results": {
15    "account_status": null,
16    "registered_name": null,
17    "details": null,
18    "name_match_score": null,
19    "validated_account_type": null,
20    "bank_account": {
21      "bank_routing_code": null,
22      "account_number": null,
23      "bank_name": null,
24      "account_type": null
25    }
26  },
27  "status_details": {
28    "description": "Validation request is created",
29    "source": "internal",
30    "reason": "validation_request_created"
31  },
32  "reference_id": "112233",
33  "notes": {
34    "random_key_1": "Make it so.",
35    "random_key_2": "Tea. Earl Grey. Hot."
36  }
37}

Request Parameters

source_account_number

string

Bank account number being validated. For example, 765432123456789.

validation_type

string

The method used for validating the bank account. Here, it is upi_intent.

reference_id

string

Unique reference id of the fund account being validated.

notes

object

Key-value pair that can be used to store additional information about the entity. Maximum 15 key-value pairs, 256 characters (maximum) each.

Response Parameters

id

string

The unique identifier linked to the fund account. For example, fa_00000000000001.

entity

string

Here it will be fund_account.validation.

status

string

The status of the fund account validation. For example, in the initial response, it could be created and in the after payment response, completed.

utr

string

The Unique Transaction Reference number assigned to the ₹1 UPI payment made by the end user. Use this to track or reconcile the transaction.

upi_intent

object

Contains deep links to launch specific UPI apps directly on the user's device, allowing them to complete the ₹1 payment without manually entering details.

Show child parameters (6)

validation_results

object

Contains the verified account details extracted from the payer's bank after the ₹1 payment is received.

Show child parameters (4)

bank_account

object

Contains the verified bank account details of the payer.

Show child parameters (4)

status_details

object

Contains details about the status of the validation.

Show child parameters (3)

reference_id

string

Unique reference id generated for the validation.

notes

object

Key-value pair that can be used to store additional information about the entity. Maximum 15 key-value pairs, 256 characters (maximum) each.

Validate VPA using Reverse Penny Drop

POST

/v1/fund_accounts/validations

Click to copy

Use this endpoint to validate the bank account details via Reverse Penny Drop.

Is this page helpful?

Request Parameters

source_account_number

string

Bank account number being validated. For example, 765432123456789.

validation_type

string

The method used for validating the bank account. Here, it is upi_intent.

reference_id

string

Unique reference id of the fund account being validated.

notes

object

Key-value pair that can be used to store additional information about the entity. Maximum 15 key-value pairs, 256 characters (maximum) each.

Response Parameters

id

string

The unique identifier linked to the fund account. For example, fa_00000000000001.

entity

string

Here it will be fund_account.validation.

status

string

The status of the fund account validation. For example, in the initial response, it could be created and in the after payment response, completed.

utr

string

The Unique Transaction Reference number assigned to the ₹1 UPI payment made by the end user. Use this to track or reconcile the transaction.

upi_intent

object

Contains deep links to launch specific UPI apps directly on the user's device, allowing them to complete the ₹1 payment without manually entering details.

Show child parameters (6)

validation_results

object

Contains the verified account details extracted from the payer's bank after the ₹1 payment is received.

Show child parameters (4)

bank_account

object

Contains the verified bank account details of the payer.

Show child parameters (4)

status_details

object

Contains details about the status of the validation.

Show child parameters (3)

reference_id

string

Unique reference id generated for the validation.

notes

object

Key-value pair that can be used to store additional information about the entity. Maximum 15 key-value pairs, 256 characters (maximum) each.

Curl

1curl -u [YOUR_KEY]:[YOUR_SECRET] \
2-X POST https://api.razorpay.com/v1/fund_accounts/validations \
3-H "Content-Type: application/json" \
4-d '{
5  "source_account_number": "7878780080316316",
6  "validation_type": "upi_intent",
7  "reference_id": "112233",
8  "notes": {
9    "random_key_1": "Make it so",
10    "random_key_2": "Tea. Earl Grey. Hot."
11  }
12}'

Response - Initial

Response - After Payment

1{
2  "id": "fav_00000000000001",
3  "entity": "fund_account.validation",
4  "status": "created",
5  "utr": "123456789012",
6  "upi_intent": {
7    "intent_url": "upi://pay?pa=razorpayx@citibank&pn=RZPX%20PRIVATE%20LTD&mc=7413&cu=INR&am=1.00&tn=BAV&ver=01&mode=04&qrMedium=02&tr=RjY7anDJFuKQOB",
8    "phonepe_url": "phonepe://upi/pay?pa=razorpayx@citibank&pn=RZPX%20PRIVATE%20LTD&mc=7413&cu=INR&am=1.00&tn=BAV&ver=01&mode=04&qrMedium=02&tr=RjY7anDJFuKQOB",
9    "gpay_url": "tez://upi/pay?pa=razorpayx@citibank&pn=RZPX%20PRIVATE%20LTD&mc=7413&cu=INR&am=1.00&tn=BAV&ver=01&mode=04&qrMedium=02&tr=RjY7anDJFuKQOB",
10    "paytm_url": "paytmmp://upi/pay?pa=razorpayx@citibank&pn=RZPX%20PRIVATE%20LTD&mc=7413&cu=INR&am=1.00&tn=BAV&ver=01&mode=04&qrMedium=02&tr=RjY7anDJFuKQOB",
11    "bhim_url": "bhim://upi/pay?pa=razorpayx@citibank&pn=RZPX%20PRIVATE%20LTD&mc=7413&cu=INR&am=1.00&tn=BAV&ver=01&mode=04&qrMedium=02&tr=RjY7anDJFuKQOB",
12    "encoded_qr_code": "iVBORw0KGgoAAAANSUhEUgAAAQAAAAEAAQMAAABmvDolAAAABlBMVEX///8AAABVwtN+AAACWUlEQVR42uyYy3E7LRDEe4sDR0IglM1sH+"
13  },
14  "validation_results": {
15    "account_status": null,
16    "registered_name": null,
17    "details": null,
18    "name_match_score": null,
19    "validated_account_type": null,
20    "bank_account": {
21      "bank_routing_code": null,
22      "account_number": null,
23      "bank_name": null,
24      "account_type": null
25    }
26  },
27  "status_details": {
28    "description": "Validation request is created",
29    "source": "internal",
30    "reason": "validation_request_created"
31  },
32  "reference_id": "112233",
33  "notes": {
34    "random_key_1": "Make it so.",
35    "random_key_2": "Tea. Earl Grey. Hot."
36  }
37}