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APIs

Verification of Payee Requester API

Using the API

The API accepts a JSON request containing the payee’s information and returns a verification result.

What You Need to Provide

  • Payee Information:

    • Name (for individuals) OR Organization ID (for businesses)

    • Account number (IBAN)

    • Bank identifier (BIC) (optional)

      • CSM Reachability is able to retrieve the BIC from the IBAN if not provided

  • Processing Entity (optional) of the Payee’s financial institution

  • Payment Identifiers (optional):

    • Any identifiers you use to track the payment in your systems

What You’ll Receive

  • Verification Result:

    • Success: The payee details match, no reason code will be provided

    • Failure: The details don’t match, with a reason code explaining why

    • Close Match: The name is similar but not an exact match, with the correct name provided

Failure Reason Codes

  • PI01 - The organization ID doesn’t match the account

  • PN01 - The name doesn’t match the account

  • PN02 - The name is similar but not an exact match

  • NORR - A match could not be performed

Error Handling

The API provides error responses for the following issues:

HTTP Status Error Description

400

Request validation error

When the provided details are incomplete or do not meet the required format

500

Unknown server error

When an unanticipated error occurs. Additional details can be found in the logs

503

External services cannot be reached

When an external service necessary for verification cannot be reached e.g. Responder, CSM Reachability