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#Bank account verification using PennyLess drop API

The following guide describes a sync API implementation for PennyLess drop API.

Here are the URLs you would need for this integration—

  • Sandbox—https://dg-sandbox.setu.co
  • Production—https://dg.setu.co
  • Headers—Contact Setu for providing the credentials required to successfully call Setu APIs. This contains:
    • x-client-id
    • x-client-secret
    • x-product-instance-id

While testing on Sandbox, you may use the following sample values—

  • Test merchant bank account: 1234567890 (accountNumber), UTIB0002083 (ifsc)
  • Test individual bank account: 1234567891 (accountNumber), UTIB0002083 (ifsc)

#PennyLess drop API

Valid bank account

Your request has valid accountNumber & ifsc and Setu has processed your request successfully.
Request
POST  /api/verify/ban/pennyless
 
{
    "accountNumber": "1234567890",
    "ifsc": "UTIB0002083"
}
Response

You will get the following details—

{
    "status": "SUCCESS",
    "data": {
        "bankAccountNumber": "1234567890",
        "bankAccountName": "Pavankumar Kamat Biz",
        "bankAccountIfsc": "UTIB0002083",
        "entityType": "MERCHANT", // or INDIVIDUAL or "UNKNOWN"
        "ifscCrossCheck": true,
        "ifscDetails": {
            "name": "Axis Bank",
            "branch": "KAPODRA, SURAT",
            "center": "SURAT",
            "district": "SURAT",
            "state": "GUJARAT",
            "address": "J R SQUARE, MAMTA PARK - 1 KAPODRA, VARACHHA MAIN ROAD,  SURAT - 395 006",
            "contact": "",
            "imps": "true",
            "rtgs": "true",
            "city": "SURAT",
            "iso3166": "IN-GJ",
            "neft": "true",
            "micr": "395211016",
            "upi": "true",
            "swift": ""
        },
        "merchantDetails": {  // if MERCHANT
            "mccCode": "1520",
            "identifier": {
                "merchantType": "SMALL",
                "merchantGenre": "OFFLINE",
                "onBoardingType": "BANK"
            },
            "name": {
                "brand": "praimports",
                "legal": "Indian",
                "franchise": "rajababuimpor"
            },
            "ownership": {
                "type": "PRIVATE"
            }
        }
    },
    "traceId": "4c93e6bb-8017-4fc4-b44b-4cf186c9c6d5",
}

Invalid bank details

Setu has processed your request successfully but the request has an invalid accountNumber & ifsc.
Request
POST  /api/verify/ban/pennyless
 
{
    "accountNumber": "<wrongAccountNumber>",
    "ifsc": "<ifsc>"
}
Response

You will get the following details—

{
    "status": "ERROR",
    "message": "Invalid bank details",
    "traceId": "061b26e1-cb3c-4373-a761-ad03d6251f04"
}