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Validate an Account Using Routing and Account Numbers

This section describes how to validate using direct routing and bank account details submitted through the REST API. Follow these steps to request a bank account validation:

Create a request with the required and any optional REST API fields. Refer to the request and response examples, if needed.

Send the completed request to one of these endpoints:

Production:

POST api.visaacceptance.com/bavs/v1/account-validations

Test:

POST apitest.visaacceptance.com/bavs/v1/account-validations

Verify the response messages to make sure that the request succeeded. For more information, see the Transaction response codes.

Required Fields for Validating an Account Using Routing and Account Numbers

processingInformation.validationLevel: Set the value to
1
.
paymentInformation.bank.routingNumber: Set the value to the routing number for your customer’s bank. This field accepts a non‑negative string containing only digits and must be exactly nine-digits long.
paymentInformation.bank.account.number: Set the value to the bank account number for your customer's bank account. This field accepts a non‑negative string containing only digits.

Optional Fields for Validating an Account

clientReferenceInformation.code: Set the value to any reference code that you choose to associate with the validation request. This code is returned in the response exactly as provided.

REST Example: Validating an Account Using Routing and Account Numbers

Request

{
    "clientReferenceInformation": {
        "code": "TC50171_3"
    },
    "processingInformation": {
        "validationLevel": 1
            },
    "paymentInformation": {
        "bank": {
            "routingNumber": "041210163",
            "account": {
                "number": "1234567"
            }
        }
    }
}

Response to a Successful Request

{
    "clientReferenceInformation": {
       "code": "TC50171_3"
    },
    "requestId": "string",
    "submitTimeUtc": "string",
    "bankAccountValidation": {
        "rawValidationCode": 0,
        "resultCode": 0,
        "resultMessage": "string"
    }
}

Response to an Unsuccessful Request

{
    "submitTimeUtc": "string",
    "status": "string",
    "message": "string",
    "reason": "string",
    "details": [
        {
            "field": "string",
            "reason": "string"
        }
    ]
}