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POST
Available in🇮🇳 India🇲🇾 Malaysia🇸🇬 Singapore🇺🇸 United States
Use this endpoint to create a VPA (UPI) account validation transaction.

Request Parameters

string
required
The account from which money should be deducted for the account validation transaction.
  • Pass your customer identifier if you want money to be deducted from RazorpayX Lite.
Watch Out!
  • This is not your contact’s bank account number. Log in to your RazorpayX Dashboard and go to My Account & Settings → Banking → Customer Identifier.
  • This value is different for Test Mode and Live Mode.
  • RazorpayX Lite is currently not available for new merchants. To set up a new RazorpayX account, refer to Current Account.
string
required
The method used for validating the bank account. In this case, pennydrop.
string
Maximum 40 characters. A user-entered reference for the contact. For example, Acme Contact ID 12345.
object
Key-value pair that can be used to store additional information about the entity. Maximum 15 key-value pairs, 256 characters (maximum) each. For example, "note_key": "Beam me up Scotty”.
object
required
The fund account id you want to validate.
string
Customer’s bank account type. Possible values:
  • savings (default)
  • current
string
required
Target recipient’s VPA address.
object
required
The details of the contact.
string
The customer’s name. For example, Gaurav Kumar.
string
The customer’s email address. For example, gaurav.kumar@example.com.
string
The customer’s phone number. A maximum length of 15 characters, including country code. For example, +919000090000.
string
Defines the contact type . For example, employee

Response Parameters

string
The unique identifier linked to the fund account validation. For example, fav_0000000001.
string
Here it is fund_account.validation.
string
The status of the account validation transaction. Possible values:
  • created
  • completed
  • failed
object
Details extracted from the results of the fund account validation.
string
Displays if the account is valid or not. Possible values:
  • active
  • invalid
string
The name linked to the account. For example,Gaurav Kumar or null.
string
Brief description of the validation.
string
The percentage score indicating how closely the account holder’s name matches the records.
string
Here it is bank_account.
object
The contact’s bank account details.
string
Beneficiary bank IFSC. For example, HDFC0000053.
string
Beneficiary account number. For example, 765432123456789.
string
The contact’s bank name. For example, HDFC.
string
The account type being validated. For example savings, current.
object
Status of the fund account validation.
string
A brief description stating if the validation is complete or not.
string
The source from which validation was done. For example, beneficiary_bank
string
Reason for validation.
string
Unique reference_id generated for the validation transaction.
object
The details of the fund account which was validated.
string
The unique identifier linked to the fund account. For example, fa_00000000000001.
string
Here it is fund_account.
string
Fund account type.
object
The details associated with the account holder’s virtual payment address.
string
The virtual payment address of the contact whose account is validated. For example, gaurav.kumar@exampleupi
boolean
Possible values of fund account status:
  • true: active
  • false: inactive
integer
Timestamp, in unix, when the fund account was created. For example, 1543650891.
object
The contact’s details.
string
The unique identifier linked to the contact. For example, cont_00000000000001.
string
Here it is contact
string
Account holder’s name. For example,Gaurav Kumar.
string
Email address of the contact.
string
Phone number of the contact.
string
Contact Type. For example, employee, contractor.
string
Reference id associated with the contact.
boolean
Possible values of contact status:
  • true: active
  • false: inactive
Last modified on October 8, 2026