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RAZORPAYX NEW LAUNCH

Bank Account Verifications-

Instant. Reliable. Affordable.

The quickest and most cost-effective account verifications with industry-best success rates

The quickest and most cost-effective account verifications with industry-best success rates

Bank Account

UPI ID

IFSC Code

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View API Documentation

Enjoy the most comprehensive
Bank Account and UPI ID verification stack

Enjoy the most comprehensive
Bank Account and UPI ID verification stack

Penny Testing

Penny Testing

Drop a penny to verify if the bank account/UPI ID exists &
match the beneficiary’s name to that at the bank

Drop a penny to verify if the bank account exists & match the beneficiary’s name to that at the bank.

Penniless Testing

Penniless Testing

Utilize the latest industry innovation to do an instant penniless bank account verification. *UPI not supported
Utilize the latest industry innovation to do an instant penniless bank account verification. *UPI not supported

Multiple Hybrid Stacks

Multiple Hybrid Stacks

AI-powered optimisation between penny drop & penniless. We also support hybrid stack for Paisa drop.

Check if a UPI ID exists and get the beneficiary’s name from the bank directly.

Reverse Penny Drop

NEW

Better UX – No bank details or UPI ID needed: Users send ₹1 via UPI App which is instantly refunded, verification happens in real-time

Check if a UPI ID exists and get the beneficiary’s name from the bank directly.

Reverse Penny Drop

NEW

IFSC Code

IFSC Code

The most up-to-date list of IFSC codes for verification. Now effortlessly match the bank and branch names

The most up-to-date list of IFSC codes for verification. Now effortlessly match the bank and branch names.

Elevating your
verification experience

Elevating your
verification experience

Elevating your
verification experience

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Information you only get with us!

Instantly get the status of bank account/UPI ID, registered name, name match score, and actionable error codes.

Fetch all bank details from UPI ID

Stay compliant with encrypted APIs

Get underlying UPI instrument and account type

Industry-best verification performance

Enjoy the most reliable & scalable performance.

99.8% success rates

Instant 3-second verifications

Coverage across leading banks

Initiate Verification

Beneficiary Details

InstantLY VERIFIED

99.8% SUCCESS RATE

Know the accurate reason


for a failed verification

Verification might not go through if there’s an issue with the account number, IFSC, or if the account is blocked, frozen or closed.



Find out the reason for the failure instantly.

A single API integration is all


you need to get started!

The most seamless & simple-to-integrate

account verification APIs ever.

Highly reliable & secure

Webhooks for real-time status

Smart error code handling

View API Documentation

Account Verification

PASSED

A/c Holder Name Comparison

A/c Number Comparison

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“id”: “fav_NYjhbqb1NwYV68”,

“entity”: “fund_account.validation”,

“fund_account”: {

“id”: “fav_NYjhbotae3FKF4”,

“entity”: “fund_account”,

“account_type”: “bank_account”,

“bank_account”: {

“bank_account”: ”87345678903211”,
“ifsc”: “HDFC0000129”,

“bank_name”: “HDFC Bank”,

“name”: “VINEET SRIVASTAV”,


Information you only get with us!

Instantly get the status of bank account/UPI ID, registered name, name match score, and actionable error codes.

Fetch all bank details from UPI ID

Stay compliant with encrypted APIs

Get underlying UPI instrument and account type

Industry-best verification performance

Enjoy the most reliable & scalable performance.

99.8% success rates

Instant 3-second verifications

Coverage across leading banks

Know the accurate reason

for a failed verification

Verification might not go through if there’s an issue with the account number, IFSC, or if the account is blocked, frozen or closed.



Find out the reason for the failure instantly.

A single API integration is all


you need to get started!

The most seamless & simple-to-integrate

account verification APIs ever.

Highly reliable & secure

Webhooks for real-time status

Smart error code handling

Information you only get with us!

Instantly get the status of bank account/UPI ID, registered name, name match score, and actionable error codes.

Fetch all bank details from UPI ID

Stay compliant with encrypted APIs

Get underlying UPI instrument and account type

Industry-best verification performance

Enjoy the most reliable & scalable performance.

99.8% success rates

Instant 3-second verifications

Coverage across leading banks

Know the accurate reason

for a failed verification

Verification might not go through if there’s an issue with the account number, IFSC, or if the account is blocked, frozen or closed.



Find out the reason for the failure instantly.

A single API integration is all


you need to get started!

The most seamless & simple-to-integrate

account verification APIs ever.

Highly reliable & secure

Webhooks for real-time status

Smart error code handling

Reverse Penny Drop

Reverse Penny Drop

NEW

No bank details. No UPI IDs. Just a user-initiated
₹1 UPI transfer, instantly refunded, and realtime verification

No bank details. No UPI IDs. Just a user-initiated ₹1 UPI transfer, instantly refunded, and realtime verification

Information rich response

Auto-captures account number, IFSC, UPID, bank name, account type, registered name & name match score

Fastest refunds in India

User-initiated flow avoids upcoming restrictions on traditional penny drop

Regulatory Complaint

An easy to integrate Checkout with cards saved across businesses so that your customers can pay seamlessly everywhere.

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Versatile industry applications 


for bank account verification by RazorpayX

Versatile industry applications for bank account verification by RazorpayX

Marketplace

Verify users’ & vendors’ accounts to
ensure that the amount is credited accurately.

Lending

Verify bank details before loan disbursals. Avoid transfer reversals/failures due to incorrect information.

Insurance

Authenticate users & nominees during onboarding or disbursing the insurance amounts.

Brokerage/
Investment Platforms

Verify users during onboarding or before making a payout


Recruitment & Identity Verification Companies

Verify bank details before loan disbursals. Avoid transfer reversals/failures due to incorrect information.

Payments & Fintech Companies

Authenticate users & nominees during onboarding or disbursing the insurance amounts.

Small Businesses & Individuals

Avoid transfer failures or reversals - provide a seamless customer experience


Wallet Service
Providers

Faster onboarding of users by instant verifications


Government
Agencies

Verify bank account details and match employee names to minimise the risk of transfer issues.

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Frequently Asked Questions

Frequently Asked Questions

How does Bank Account Verification work?

Can I verify multiple bank accounts at once?

What is the most secure method of bank account verification?

What is Bank Account Verification?

How do you verify a bank account before making a payment?

Why should I verify a bank account before making a payment?

How does Bank Account Verification work?

How does Corporate Card work?

What is the most secure method of bank account verification?

What is Bank Account Verification?

How do you verify a bank account before making a payment?

Why should I verify a bank account before making a payment?

What is penny testing or penny drop testing?

Can I verify multiple bank accounts at once?

How much time does it take to verify a bank account?

What is Penniless Testing?

What is penny testing or penny drop testing?

How does Corporate Card work?

How much time does it take to verify a bank account?

What is Penniless Testing?