# Monoova Verify API

**Canonical:** https://apis.io/apis/monoova/monoova-verify-api/  
**Provider:** Monoova — https://apis.io/providers/monoova/  
**Base URL:** https://api.mpay.com.au  
**Documentation:** https://developer.monoova.com/overview

Monoova Verify API is one of 31 APIs that [Monoova](https://apis.io/providers/monoova/) publishes on the [APIs.io](https://apis.io/) network, described by a machine-readable OpenAPI specification. Tagged areas include Verify. The published artifact set on APIs.io includes an OpenAPI specification, API documentation, and an API reference.

<h3>Overview</h3> <h3>Bank Account Ownership Verification</h3> <p>The purpose of this API is to verify access to a bank account or PayID details, which has several compliance and risk-mitigation applications.</p> <p>If the NppCreditPayID method is used, the API response will include the PayID name. In scenarios where the PayID is either unidentified or not configured, you can verify if the payer/payee has access to the account using a secret code.</p> <p>By passing the BSB and account number, the account verification API will credit a target bank account with a secret code in the remitter name and lodgement reference. This code can only be viewed by someone who has access to the target bank account by accessing and viewing their bank statement. The code can then be submitted against our records, and if it matches, Monoova will persist a verification token against that specific account.</p> <h4>How it works</h4> <ol> <li>Initiate a verification transaction on the target bank account.</li> <li>Monoova will credit the target bank account with a 1c amount and a secret remitter code (may take up to 48 hours for the code to show on the target bank account).</li> </ol> <p>Below image is how a sample verification code appears on a bank statement. In YELLOW is the code your client will need to return, in BLUE is your remitter name. For NPP verification transactions, the secret code can also be found in the lodgement reference.</p> <img src="https://movdpwebsiteprodae.blob.core.windows.net/images/bank_ref.png" alt="bank-ref"> <ol> <li>Owner of the target bank account views the statement to obtain the secret code.</li> <li>Submit the secret code to Monoova via POST <a href="/payments#operation/VerifyAccountValidate">verify/v1/aba/validate</a>. In the sandbox, use code "555555" to test successful validation of an account verification.</li> <li>If the submitted code and amount are correct, the target bank account is designated as verified.</li> </ol>

## Operations (6)

| Method | Path | Summary |
|---|---|---|
| POST | `/verify/v2/aba/initiate` | Initiate a NPP verification transaction |
| POST | `/verify/v1/aba/initiate` | Initiate a DE Verification Transaction |
| POST | `/verify/v1/aba/validate` | Complete an account verification |
| GET | `/verify/v1/aba/get/{token}` | Get a verification token's details |
| GET | `/verify/v1/aba/list` | List verified bank accounts |
| POST | `/verify/v1/aba/update` | Update a verified bank account |

## Machine-readable artifacts (5)

- **OpenAPI** — https://raw.githubusercontent.com/api-evangelist/monoova/refs/heads/main/openapi/monoova-verify-api-openapi.yml
- **Documentation** — https://developer.monoova.com/overview
- **APIReference** — https://api-docs.monoova.com/
- **Documentation** — https://developer.monoova.com/payto
- **Documentation** — https://developer.monoova.com/card-payments

## Other Monoova APIs (12)

- [Monoova Automatcher (Bank Account Receivables) API](https://apis.io/apis/monoova/monoova-automatcher-bank-account-receivables-api/)
- [Monoova BPAY API](https://apis.io/apis/monoova/monoova-bpay-api/)
- [Monoova Create Payment Using Token API](https://apis.io/apis/monoova/monoova-create-payment-using-token-api/)
- [Monoova Financial API](https://apis.io/apis/monoova/monoova-financial-api/)
- [Monoova Generate a Bearer Token API](https://apis.io/apis/monoova/monoova-generate-a-bearer-token-api/)
- [Monoova Generate a Client Session API](https://apis.io/apis/monoova/monoova-generate-a-client-session-api/)
- [Monoova Get Async Request Status API](https://apis.io/apis/monoova/monoova-get-async-request-status-api/)
- [Monoova Get Payment Method Token Details API](https://apis.io/apis/monoova/monoova-get-payment-method-token-details-api/)
- [Monoova Get Transaction By Date Range API](https://apis.io/apis/monoova/monoova-get-transaction-by-date-range-api/)
- [Monoova Get Transaction By Id API](https://apis.io/apis/monoova/monoova-get-transaction-by-id-api/)
- [Monoova Initiate a Payment API](https://apis.io/apis/monoova/monoova-initiate-a-payment-api/)
- [Monoova Ledger Account API](https://apis.io/apis/monoova/monoova-ledger-account-api/)

## Tags

Verify

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/apis/monoova/monoova-verify-api/). The API's provider profile, Kin Score and agent-readiness rating are at https://apis.io/providers/monoova/.