POSTBank Account Validation API

Use Case

This API is used to validate the Bank Account details of the beneficiary with small amount tranfser from merchant account to the benificary account. You can send the combination of either the Bank Account Number and IFSC Code or Beneficiary VPA.

HTTP Headers

ATTRIBUTE	DESCRIPTION
x-mid string(50) mandatory	Paytm provides MID as a unique identifier to each merchant. For your staging MID, click here. You get the production MID post the account activation.
x-checksum string(108) mandatory	Signature encryption for validation. It's value to be sent should be the checksum string created by using Paytm checksum library. Note: Create the signature using all the request parameters.

ATTRIBUTE

DESCRIPTION

x-mid

string(50)
mandatory

Paytm provides MID as a unique identifier to each merchant. For your staging MID, click here. You get the production MID post the account activation.

x-checksum

string(108)
mandatory

Signature encryption for validation. It's value to be sent should be the checksum string created by using Paytm checksum library.
Note: Create the signature using all the request parameters.

Request Attributes

API Content Type: JSON

ATTRIBUTE	DESCRIPTION
orderId string(50) mandatory	Order ID is merchant’s unique reference ID for a transaction passed in the transaction payload. This is Order ID for which the transaction status needs to be fetched.
subwalletGuid string mandatory	Merchants sub wallet guid
beneficiaryAccount string(19) mandatory	Beneficiary bank account number which needs to be validated
beneficiaryIFSC string(11) mandatory	IFSC code of the beneficiary account holding bank branch.
beneficiaryVPA string optional	Beneficiary VPA which needs to be validated
callbackUrl string(255) optional	Paytm sends the response of transaction on the URL which comes in the callbackUrl parameter.
custParam1 string optional	Value of custParam1 which we will check for the velocity limit configured on custParam1 or any of its combinations.
custParam2 string optional	Value of custParam2 which we will check for the velocity limit configured on custParam2 or any of its combinations.
skipVelocityRules boolean optional	To disable velocity check. If true we will not apply the velocity counter.
skipCache boolean optional	To skip the cache logic for penny drop

Note: In request either you have to send beneficiaryAccount & beneficiaryIFSC OR beneficiaryVPA

Response Attributes

API Content Type: JSON

ATTRIBUTE	DESCRIPTION
statusCode string	Failure reason code where status is FAILURE. A detailed list of statusCode is mentioned at the bottom of this page.
status string	This attribute should be used to fetch the final status of the order. It can be FAILURE, PENDING, ACCEPTED, and SUCCESS.
statusMessage string	Description of each statusCode.

ATTRIBUTE

DESCRIPTION

statusCode

string

Failure reason code where status is FAILURE. A detailed list of statusCode is mentioned at the bottom of this page.

status

string

This attribute should be used to fetch the final status of the order. It can be FAILURE, PENDING, ACCEPTED, and SUCCESS.

statusMessage

string

Description of each statusCode.

Response Codes & Messages

resultCode	resultStatus	resultMsg
DE_001	SUCCESS	Successful disbursal to Bank Account is done
DE_002	ACCEPTED	Request accepted
DE_101	PENDING	Your request is in process. Kindly check after sometime
DE_102	PENDING	Disbursal to Bank Account failed. Your refund to sub-wallet is in process
DE_601	PENDING	Disbursal to bank account is in process. Please check again in some time
DE_010	FAILURE	param is mandatory and it's can't be null or blank
DE_011	FAILURE	param doesn't contain a valid value
DE_012	FAILURE	Amount must be a positive number with maximal 2 decimal places
DE_013	FAILURE	param doesn't contain valid length, It should be <length> or less
DE_014	FAILURE	PPBL account no should be 12 digits and starts with 91
DE_015	FAILURE	Purpose not valid
DE_016	FAILURE	Month not valid
DE_017	FAILURE	Year not valid
DE_018	FAILURE	You can disburse the amount up to 6 months before from the current month
DE_019	FAILURE	MID is not valid
DE_020	FAILURE	Uploaded file is blank
DE_021	FAILURE	Disburse amount should be Rs. 1 or more
DE_022	FAILURE	Disburse amount should not be more than Rs. 200000
DE_023	FAILURE	Mid is not active
DE_024	FAILURE	Account no should be alphanumeric with length between 9 to 18 digits
DE_025	FAILURE	IFSC code is invalid.
DE_026	FAILURE	Uploaded file must be of csv format
DE_027	FAILURE	File must contain 4 headers
DE_028	FAILURE	Cannot exceed columns more than <length>
DE_029	FAILURE	Total amount to be disbursed is more than the subwallet balance
DE_030	FAILURE	File already exists with this name
DE_034	FAILURE	Invalid Pay Mode
DE_035	FAILURE	Your request has been rejected by your configured Approver.
DE_036	FAILURE	Uploaded file contains records more than <param>records
DE_039	FAILURE	No record found
DE_040	FAILURE	Duplicate order id
DE_041	FAILURE	Unable to process your request. Please try after some time
DE_042	FAILURE	Date format is not correct as it should be yyyy-MM-dd
DE_056	FAILURE	UPI not allowed for amount more than 1 lakhs
DE_057	FAILURE	Invalid request
DE_058	FAILURE	Merchant Commission not configured
DE_400	FAILURE	Invalid Request Parameter
DE_401	FAILURE	Authentication Parameters Required
DE_402	FAILURE	Access Denied
DE_403	FAILURE	API Not Found
DE_404	FAILURE	Unable to authenticate the request
DE_405	FAILURE	Remote IP not whitelisted
DE_406	FAILURE	Invalid Client-Token
DE_407	FAILURE	Client-Token Required
DE_408	FAILURE	Checksum Required
DE_409	FAILURE	Checksum Verification Failed
DE_500	FAILURE	System Error
DE_602	FAILURE	Disbursal to bank account failed. Please try after some time
DE_603	FAILURE	Disbursal to bank account failed
DE_606	FAILURE	Invalid account number
DE_607	FAILURE	Error at bank end
DE_609	FAILURE	Unable to fetch details
DE_610	FAILURE	No fds available
DE_612	FAILURE	Account blocked/frozen
DE_613	FAILURE	Invalid IFSC/MICR
DE_614	FAILURE	Account is closed
DE_615	FAILURE	Invalid account number or IFSC code
DE_616	FAILURE	Daily allowed amount limit for the beneficiary is exceeded
DE_617	FAILURE	Beneficiary account is NRE account
DE_618	FAILURE	Invalid NBIN (IFSC code)
DE_619	FAILURE	NPCI rejects as net debit cap is exceeded for remitter
DE_620	FAILURE	Card is restricted at beneficiary account
DE_621	FAILURE	Transaction declined, Bank not enabled for P2A functionality
DE_622	FAILURE	Maximum limit amount exceeded
DE_623	FAILURE	Exceeded maximum allowed number of transfers per day
DE_625	FAILURE	Invalid IFSC code
DE_626	FAILURE	Transaction is declined based on From account type and To account type
DE_627	FAILURE	Transaction is declined based on transaction limit imposed on the From account type and To account type
DE_628	FAILURE	Beneficiary PPI is Gift prepaid and this is not the first transaction
DE_629	FAILURE	Acquiring bank has not implemented customer initiated person-to-merchant transaction
DE_631	FAILURE	Amount is greater than 2 Lakhs (Applicable for Bank where NDC is greater than 2 Lakhs)
DE_632	FAILURE	Invalid payment reference
DE_633	FAILURE	Invalid amount
DE_634	FAILURE	Invalid transaction
DE_636	FAILURE	Unable to process
DE_637	FAILURE	Blocked/Lost/Hotlisted card
DE_638	FAILURE	Expired card
DE_639	FAILURE	Debit Request Failure
DE_640	FAILURE	,Transaction has been declined as it exceeds the limits set by beneficiary bank
DE_641	FAILURE	No record found
DE_643	FAILURE	Remmiter and beneficiary accounts are same
DE_646	FAILURE	Fund transfer not allowed for this transaction type
DE_647	FAILURE	Refund not allowed for this transaction type
DE_648	FAILURE	Product Service Unavailable
DE_649	FAILURE	Transaction cannot be processed as current account limits will be breached.
DE_650	FAILURE	CA Form 60 Val Current Account Form 60 Daily deposit limit breached
DE_651	FAILURE	Fraud verification Maquette suspicious response
DE_652	FAILURE	Nodal IMPS Nodal IMPS Amount Limit Breached
DE_653	FAILURE	Nodal IMPS Beneficiary Does Not exist
DE_654	FAILURE	Refund Processing Service No successful parent transaction found for request.
DE_655	FAILURE	Refund Processing service Refund amount is greater than max amount available for refund
DE_656	FAILURE	Credit account freeze
DE_701	FAILURE	Merchant does not exists
DE_702	FAILURE	User doesn't exist
DE_703	FAILURE	Wallet could not found, please verify walletGuid
DE_704	FAILURE	Sub wallet not found
DE_705	FAILURE	Agent wallet balance cann't be negative. Please fund your wallet and try again
DE_706	FAILURE	Refund is not possible as refund possibly already done or current refund request may cause refund to exceed actual transaction amount
DE_707	FAILURE	Refund amount should be equal to the transaction amount
DE_692	FAILURE	Beneficiary banks do not allow transactions for lower amounts
DE_047	FAILURE	Bank details not Registered
DE_064	FAILURE	Upfront commission not supported on this transaction. Please contact Merchant Helpdesk.
DE_1222	SUCCESS	Invalid wallet detail
DE_1223	SUCCESS	Wallet Limit exceeded
DE_1617	FAILURE	Schedule time format is not correct as it should be YYYY-MM-DD HH:MM:SS
DE_1618	FAILURE	Transactions can be scheduled after 1hr from now
DE_0618	PENDING	Your request is pending from Approver's end. Kindly check after sometime
DE_1623	FAILURE	Remitter name contains inappropriate word

⇾

Staging

Production

https://staging-dashboard.paytm.com/bpay/api/v1/beneficiary/validate copy icon

REQUEST

RESPONSE

CURL

JAVA

NODE

PHP

PYTHON

DOTNET

curl -X POST 'https://staging-dashboard.paytm.com/bpay/api/v1/beneficiary/validate' \
--header 'Content-Type: application/json' \
--header 'x-mid: {mid}' \
--header 'x-checksum: {checksum}' \
--data '{"subwalletGuid":"28054249-XXXX-XXXX-af8f-fa163e429e83","orderId":"ORDERID_98765", "beneficiaryAccount":"918008484891", "beneficiaryIFSC":"PYTM0123456"}'