99.9% uptime SLA with sub-100ms responses across the entire fintech stack.
Get StartedConfirm beneficiary name & account status in real time before every payout.
Explore APIConfirm account ownership instantly with just an account number and IFSC. No ₹1 transfer, no waiting, no manual reconciliation — and no fraud risk from fake accounts.
Free verifications, every month. No credit card, no setup fee. Quota renews automatically — cancel anytime.
Sandbox + production keys, sent within one business hour.
Our team will send your sandbox and production keys shortly, usually within one business hour.
💬 Chat with us nowSee it work
Pick a scenario and hit verify — this is exactly the request and response your team will handle.
No money is transferred. No penny-drop.
Illustrative demo using sample data — real responses come from your sandbox key.
Why verify before you pay
Refunds, chargebacks, support tickets and mule accounts — almost all of it starts with an unverified account.
Confirm the account belongs to who your customer claims. Block mule accounts and identity mismatches before money moves.
Wrong IFSC or closed accounts cause payout failures and support tickets. Catch it at onboarding, not after the transfer bounces.
No physical penny-drop, no waiting for ₹1 to land. One API call returns ownership status instantly.
How it works
POST the account number and IFSC code to our endpoint with your bearer token.
We check against the bank's records and return the registered holder name, account status and a match confidence score.
Match, mismatch or invalid — act on it immediately in your onboarding or payout flow.
We never store the account number or IFSC after the response is returned. Zero data retention, by design.
API reference
This is the exact request and response your integration works with in production.
POST to a single endpoint with your bearer token, the account number, IFSC and — optionally — the name to match.
{
"account_number": "50100123456789",
"ifsc": "HDFC0000123",
"name_to_match": "Aarav Sharma"
}
A JSON response returns in roughly one second — act on the status field directly in your onboarding or payout flow.
{
"status": "VERIFIED",
"account_exists": true,
"name_at_bank": "AARAV SHARMA",
"name_match_score": 0.96,
"bank_name": "HDFC Bank",
"reference_id": "bav_7f3c91a2",
"response_time_ms": 812
}
What each status means, so your team can branch on it with confidence.
Compare
| Capability | Traditional penny-drop | NXT verification API |
|---|---|---|
| Speed | 5 seconds – 24 hours | Under 1 second |
| Cost per check | ₹1 actually transferred + charges | Per-verification price, no money moved |
| Data handling | Bank statement often required | Only account number + IFSC |
| Failure recovery | Manual reconciliation | Instant retry via API |
| Integration | Custom bank tie-ups | One unified API, 18+ rails |
Who this is built for
Verify borrower accounts before loan disbursal — no failed credits, no reversal cycles.
Confirm claim recipient accounts before payout, so settlements land first time.
Ensure redemptions land in the right account, every single time.
Prevent vendor and salary payment errors before the batch runs.
Onboard lenders and borrowers with verified accounts from day one.
Validate seller accounts at onboarding so settlement day never breaks.
Security & compliance
Questions
Just the account number and IFSC code — nothing else. No bank statement, no passbook photo, no customer document upload.
Yes. Every calendar month your first 30 verifications are free — no card required, no auto-charge, and the quota renews automatically.
You continue on pay-as-you-go — billed per successful verification, with no plan upgrade, no minimum commitment and no interruption to your integration.
No ₹1 is transferred and there is no waiting period. We confirm ownership directly against bank records in real time.
No. The account number and IFSC are used only for the verification call and discarded immediately after the response is returned.
All major Indian banks via IFSC-based routing — the same rails used across our Payout, AEPS and UPI products.
Yes. Sandbox access is included from day one, free tier included.
No. This is a B2B software and API service. Regulated activity and end-customer relationships remain with your entity; we provide the verification infrastructure.
Get your API key in minutes. Your first 30 verifications every month are on us — after that you only pay for what you verify.
Get Free API Key →Explore more
Verification is one step in the payment flow — here's what most teams connect it to next.