Open (open.money) Verifications API
The Verifications API from Open (open.money) — 1 operation(s) for verifications.
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OpenAPI Specification
openapi: 3.2.0
info:
title: 1 Verifications API
version: '1'
servers:
- url: https://api.zwitch.io
security:
- sec0: []
tags:
- name: Verifications
paths:
/v1/verifications/bank-account:
post:
summary: Bank Account Verification
description: Use this API to verify the ownership and validity of a bank account.
operationId: verifications-bank-account-create
requestBody:
content:
application/json:
schema:
type: object
required:
- bank_account_number
- bank_ifsc_code
- merchant_reference_id
properties:
bank_account_number:
type: string
description: 'The bank account number you want to verify.<br><br>Example: `56733281905`'
bank_ifsc_code:
type: string
description: 'IFSC of the bank you want to verify.<br><br>Example: `HDFC0000123`'
force_penny_drop:
type: boolean
description: 'Use this parameter only when verifying a bank account.<br><br>Possible values:<br>- `true`: The penny drop is done even if penny drop verification was done before.<br>- `false` (default): Penny drop is done only if penny drop verification was not done before.'
default: false
force_penny_drop_amount:
type: number
description: 'Use this parameter only when verifying a bank account.<br><br>The penny drop amount you want to transfer to the account. The `force_penny_drop_amount` must be between 1 and 2<br><br>Example: `1`'
format: float
merchant_reference_id:
type: string
description: 'Unique identifier entered when creating the verification request.<br><ul><li>Only alphabets and numbers are allowed.</li><li>Minimum: 7 characters.</li><li>Maximum: 40 characters.</li></ul>Example: `1409614085`'
examples:
Verify Bank Account:
value:
bank_account_number: '10000000000875'
bank_ifsc_code: HDFC0000123
force_penny_drop: true
force_penny_drop_amount: 1
merchant_reference_id: '1000875'
metadata:
key_1: DD
key_2: XOF
responses:
'200':
description: '200'
content:
application/json:
examples:
Success:
value: "{\n \"id\": \"accver_BhOM01sUb3tXprWwTGBLlKZVG\",\n \"object\": \"bank_account_verification\",\n \"bank_account_number\": \"10000000000165\",\n \"bank_ifsc_code\": \"AAAA0001618\",\n \"name_as_per_bank\": \"Ganga Reddy\",\n \"force_penny_drop\": true,\n \"force_penny_drop_amount\": 1,\n \"status\": \"success\",\n \"message\": \"Transaction Successful\",\n \"last_verified_at\": \"2021-12-31\",\n \"metadata\": {\n \"key_1\": \"DD\",\n \"key_2\": \"XOF\"\n },\n \"merchant_reference_id\": \"1409614085\",\n \"created_at\": 1648030636,\n \"is_sandbox\": true\n}"
Failed:
value: "{\n \"id\": \"accver_BhOM01sUb3tXprWwTGBLlKZVG\",\n \"object\": \"bank_account_verification\",\n \"bank_account_number\": \"10000000000165\",\n \"bank_ifsc_code\": \"AAAA0001618\",\n \"name_as_per_bank\": null,\n \"force_penny_drop\": true,\n \"force_penny_drop_amount\": 1,\n \"status\": \"failed\",\n \"message\": \"Invalid account number of IFSC.\",\n \"last_verified_at\": null,\n \"metadata\": {\n \"key_1\": \"DD\",\n \"key_2\": \"XOF\"\n },\n \"merchant_reference_id\": \"1409614085\",\n \"created_at\": 1648030636,\n \"is_sandbox\": true\n}"
schema:
oneOf:
- title: Success
type: object
properties:
id:
type: string
example: accver_BhOM01sUb3tXprWwTGBLlKZVG
object:
type: string
example: bank_account_verification
bank_account_number:
type: string
example: '10000000000165'
bank_ifsc_code:
type: string
example: AAAA0001618
name_as_per_bank:
type: string
example: Ganga Reddy
force_penny_drop:
type: boolean
example: true
default: true
force_penny_drop_amount:
type: integer
example: 1
default: 0
status:
type: string
example: success
message:
type: string
example: Transaction Successful
last_verified_at:
type: string
example: '2021-12-31'
metadata:
type: object
properties:
key_1:
type: string
example: DD
key_2:
type: string
example: XOF
merchant_reference_id:
type: string
example: '1409614085'
created_at:
type: integer
example: 1648030636
default: 0
is_sandbox:
type: boolean
example: true
default: true
- title: Failed
type: object
properties:
id:
type: string
example: accver_BhOM01sUb3tXprWwTGBLlKZVG
object:
type: string
example: bank_account_verification
bank_account_number:
type: string
example: '10000000000165'
bank_ifsc_code:
type: string
example: AAAA0001618
name_as_per_bank: {}
force_penny_drop:
type: boolean
example: true
default: true
force_penny_drop_amount:
type: integer
example: 1
default: 0
status:
type: string
example: failed
message:
type: string
example: Invalid account number of IFSC.
last_verified_at: {}
metadata:
type: object
properties:
key_1:
type: string
example: DD
key_2:
type: string
example: XOF
merchant_reference_id:
type: string
example: '1409614085'
created_at:
type: integer
example: 1648030636
default: 0
is_sandbox:
type: boolean
example: true
default: true
'401':
description: '401'
content:
application/json:
examples:
Result:
value: "{\n \"error\": {\n \"type\": \"authentication_error\",\n \"message\": \"Invalid secret key.\"\n }\n}"
schema:
type: object
properties:
error:
type: object
properties:
type:
type: string
example: authentication_error
message:
type: string
example: Invalid secret key.
'422':
description: '422'
content:
application/json:
examples:
Result:
value: "{\n \"error\": {\n \"type\": \"invalid_request_error\",\n \"message\": \"Beneficiary was verified recently. Please re-try after 10 minutes\"\n }\n}"
schema:
oneOf:
- type: object
properties:
error:
type: object
properties:
type:
type: string
example: invalid_request_error
code:
type: string
example: parameter_missing
message:
type: string
example: The bank_ifsc_code field format is invalid
param:
type: string
example: bank_ifsc_code
- type: object
properties:
error:
type: object
properties:
type:
type: string
example: invalid_request_error
message:
type: string
example: Beneficiary was verified recently. Please re-try after 10 minutes
deprecated: false
tags:
- Verifications
components:
securitySchemes:
sec0:
type: apiKey
name: Authorization
in: header
x-bearer-format: bearer
x-default: ''
x-readme-fauxas: true
x-provenance:
method: searched
source: https://developers.zwitch.io/reference
harvested: '2026-10-14'
tool: harvest-readme-openapi.py
note: Assembled verbatim from the OpenAPI definition ReadMe embeds in each operation page of the provider's developer portal; paths and components merged by API title, nothing authored.
assembled_from:
- https://developers.zwitch.io/reference/accounts-get-all.md
- https://developers.zwitch.io/reference/accounts-get-balance.md
- https://developers.zwitch.io/reference/accounts-get-by-id.md
- https://developers.zwitch.io/reference/accounts-get-statement.md
- https://developers.zwitch.io/reference/accounts-virtual-deactivate.md
- https://developers.zwitch.io/reference/accounts-virtual-test-balance.md
- https://developers.zwitch.io/reference/bank-account-verification-copy-1.md
- https://developers.zwitch.io/reference/batch-refund-api.md
- https://developers.zwitch.io/reference/beneficiaries-bank-account-create.md
- https://developers.zwitch.io/reference/beneficiaries-delete.md
- https://developers.zwitch.io/reference/beneficiaries-get-all.md
- https://developers.zwitch.io/reference/beneficiaries-get-by-id.md
- https://developers.zwitch.io/reference/beneficiaries-update.md
- https://developers.zwitch.io/reference/constants-business-categories.md
- https://developers.zwitch.io/reference/constants-business-types.md
- https://developers.zwitch.io/reference/constants-ifsc.md
- https://developers.zwitch.io/reference/constants-state-codes.md
- https://developers.zwitch.io/reference/create-payment-token.md
- https://developers.zwitch.io/reference/get-all-sub-accounts.md
- https://developers.zwitch.io/reference/get-sub-account-by-id.md
- https://developers.zwitch.io/reference/requery-batch-refund.md
- https://developers.zwitch.io/reference/status-check-api-with-payment_token.md
- https://developers.zwitch.io/reference/transfers-bulk-by-id.md
- https://developers.zwitch.io/reference/transfers-bulk-create.md
- https://developers.zwitch.io/reference/transfers-bulk-get-all.md
- https://developers.zwitch.io/reference/transfers-get-all.md
- https://developers.zwitch.io/reference/transfers-get-by-id.md
- https://developers.zwitch.io/reference/transfers-virtual-accounts-create-to-account-beneficiary.md
- https://developers.zwitch.io/reference/update-sub-account.md
- https://developers.zwitch.io/reference/upi-qr-intent-string.md
- https://developers.zwitch.io/reference/verifications-bank-account-create.md
- https://developers.zwitch.io/reference/verifications-name-create.md
- https://developers.zwitch.io/reference/verifications-pan-create.md
- https://developers.zwitch.io/reference/verifications-vpa-create.md
- https://developers.zwitch.io/reference/webhooks-get-all-events.md
merge:
pages: 35
deduped: 34
conflicts_kept_first: 1