# Bank Account Verification

{% hint style="success" %}
**Summary**

The bank account verification APIs allow business confirm the authenticity a customer’s account number before setting up the customer's account, setting up a direct debit or transferring money to the customer.
{% endhint %}

## Introduction

Before setting up a customer's account and performing transactions to such account, you need to ensure the customer’s account details are correct. This is to ensure you aren’t sending money to the wrong person or setting up a fraudulent customer. In order to achieve this, we provide the following APIs:

<table><thead><tr><th width="266">Name</th><th>Description</th></tr></thead><tbody><tr><td><a href="#initialize-bvn-consent">Initialize BVN Consent</a></td><td>This endpoint is used to initiate the process for getting the customer's consent</td></tr><tr><td><a href="#complete-consent-and-get-bvn-details">Complete consent and get BVN details</a></td><td>This endpoint is used to get the BVN data after the customer's consent has been approved.</td></tr><tr><td><a href="#match-customer-bvn-image">Match Customer BVN Image</a></td><td>This endpoint allows for real-time verification of an individual's Bank Verification Number (BVN) through the comparison of their photograph and facial features with their BVN record</td></tr><tr><td><a href="#verify-customer-account">Verify customer account</a></td><td>This endpoint is used for verification of a customer's bank account.</td></tr></tbody></table>

## Initialize BVN Consent

This endpoint is used to initiate the process for getting customer consent. The integrator is required to pass the customer's BVN and the phone number. Below is a sample request and sample response.&#x20;

```bash
curl --location 'https://adjutor.lendsqr.com/v2/verification/bvn/:bvn/accounts' \
--data-raw '{
    "contact": "ado****@example.com"
}'
```

```json
{
  "status": "otp",
  "message": "Please provide OTP sent to contact",
  "data": "0808***2636",
  "meta": {
    "cost": 0,
    "balance": 4815
  }
}
```

## Complete consent and get BVN details

This endpoint is used to get the bank accounts linked to a BVN. It requires the OTP that has been sent to the customer. OTP to phones are usually sent from PFAlert sender id. Below is a sample request and sample response.

```bash
curl --location --request PUT 'https://adjutor.lendsqr.com/v2/verification/bvn/:bvn/accounts' \
--data '{
    "otp": "998278"
}'
```

```json
{
  "status": "success",
  "message": "Successful",
  "data": {
    "reference": 10000001,
    "bvn": "22123456789",
    "first_name": "ADO",
    "middle_name": "JOHN",
    "last_name": "SULE",
    "dob": "1990-10-31",
    "formatted_dob": "1990-10-31",
    "mobile2": null,
    "mobile": "08012345678",
    "registration_date": "30-Mar-2015",
    "enrollment_bank": "044",
    "enrollment_branch": "RET SHOP - BABCOCK UNIVERSITY (137)",
    "email": "wunmi@yahoo.com",
    "gender": "Male",
    "level_of_account": null,
    "lga_of_origin": "Abeokuta South",
    "lga_of_residence": "Abeokuta South",
    "marital_status": "Single",
    "nin": null,
    "name_on_card": "ADO JOHN SULE",
    "nationality": null,
    "residential_address": "Ogun State",
    "state_of_origin": "Ogun State",
    "state_of_residence": "Ogun State",
    "watchlisted": 0,
    "base64Image": null,
    "image_url": "https://picsum.photos/id/1/5000/3333"
  },
  "meta": {
    "cost": 20,
    "balance": 4815
  }
}
```

## Match customer BVN image

This endpoint allows for real-time verification of an individual's Bank Verification Number (BVN) through the comparison of their photograph and facial features with their BVN record, thereby providing an additional layer of security and accuracy in customer information validation. Below is a sample request and sample response.

```bash
curl --location 'https://adjutor.lendsqr.com/v2/verification/bvn/22536011111/selfies' \
--data '{
    "image": "https://documents.lendsqr.com/irorun/45eab612ad3efff8f3da1e65130be8538b8fd6c8602da4252ec35c61ec18802b1619ba7eda625b3efb671bfc478cad84e834c5ad858722e993889b3xxxxxx.png"
}'
```

```json
{
  "status": "success",
  "message": "Successful",
  "data": {
    "match": true,
    "similarity": 99.94831085205078
  },
  "meta": {
    "cost": 30,
    "balance": 1285
  }
}
```

For this request, the image should be in a URL format that is completely accessible to anyone with the link. Feel free to configure the similarity you are comfortable with within your application.

## Verify customer account

This endpoint is used for verification of a customer's bank account and confirming that it is linked to the customer's BVN. Below is a sample request and sample response.

```bash
curl --location 'https://adjutor.lendsqr.com/v2/verification/bankaccount/bvn' \
--data '{
    "account_number": "0425571111",
    "bank_code": "058"
}'
```

```json
{
  "status": "success",
  "message": "Successful",
  "data": {
    "bank_code": "058",
    "account_name": "DOE JOHN",
    "account_number": "0425571111",
    "bvn": "22000000021"
  },
  "meta": {
    "cost": 10,
    "balance": 1245
  }
}
```