Verify Bank Account

Before sending money, verify the recipient’s account number to confirm the account name and ensure you’re sending to the right person. Always do this before executing a transfer.

Always verify an account before transferring. Sending to an incorrect account number may result in an unrecoverable loss of funds.

Usage


import { Pay100 } from "@100pay-hq/100pay.js";
 
const client = new Pay100({
  publicKey: "your_public_key",
  secretKey: "your_secret_key",
});
 
const result = await client.bankTransfer.verifyBank({
  bankCode: "044",         // From the getBankList() response
  accountNumber: "1234567890",
});
 
if (result.data.verified) {
  console.log("Account name:", result.data.accountName);
  // => "JOHN DOE"
} else {
  console.error("Account not found or verification failed");
}

Parameters

Field	Type	Required	Description
`bankCode`	`string`	✅	Bank code from `getBankList()`
`accountNumber`	`string`	✅	Recipient’s bank account number

Response


{
  "statusCode": 200,
  "message": "Account verified",
  "data": {
    "accountName": "JOHN DOE",
    "accountNumber": "1234567890",
    "bankCode": "044",
    "bankName": "Access Bank",
    "verified": true
  }
}

`IVerifyBankResponse`

Field	Type	Description
`data.verified`	`boolean`	`true` if the account exists and was verified
`data.accountName`	`string`	Account holder’s registered name
`data.accountNumber`	`string`	The account number that was verified
`data.bankCode`	`string`	Bank code of the account
`data.bankName`	`string`	Full bank name

Displaying to Users

Use the verified name to let users confirm the recipient before proceeding:


const verification = await client.bankTransfer.verifyBank({
  bankCode: selectedBank.bankCode,
  accountNumber: userInputAccountNumber,
});
 
if (verification.data.verified) {
  // Display for user confirmation
  showConfirmationPrompt({
    message: `Sending to: ${verification.data.accountName}`,
    onConfirm: () => executeTransfer(verification.data),
  });
} else {
  showError("We could not verify this account. Please check the details.");
}

Next Steps

Execute Transfer — send funds once the account is verified
List Banks — get bank codes to use in this call