---
title: "Pennyless Bank Account Verification"
method: POST
path: "/verify/bank_verification/pennyless"
tags: ["Bank Verification"]
---

# Pennyless Bank Account Verification

`POST /verify/bank_verification/pennyless`

The Pennyless Bank Account Verification API allows verification of a bank account's authenticity using only the account number and IFSC code, without initiating any monetary transaction. This API performs a secure backend validation through banking networks to confirm whether the provided account details are valid and active. It returns key information such as account holder name, account status, and validation result, helping businesses ensure accurate beneficiary onboarding and reduce fraud risks. The service eliminates the need for penny drop transactions, making the verification process faster, cost-efficient, and seamless for end users.

## Request body

- BankVerificationPennylessRequest
  - `account_number` string, required
  - `ifsc_code` string, required

## Response `200`

Success or Failure Response

- union
  - BankVerificationPennylessSuccessResponse
    - `status` string
    - `result` BankVerificationPennylessResult
      - `failure_reason` string, nullable
      - `account_number` string
      - `user` string, nullable
      - `is_valid` boolean
      - `account_holder_name` string
      - `account_ifsc` string
      - `npci_error_code` string, nullable
    - `chargeble` string
    - `user_consent` string
  - BankVerificationPennylessFailureResponse
    - `status` string
    - `detail` 'FAILURE_INVALID_IFSC' | 'FAILURE_INVALID_ACC_NO' | 'FAILURE_FROZEN_ACCOUNT' | 'FAILURE_DORMANT_ACCOUNT' | 'FAILURE_TECHNICAL_ERROR' | 'FAILURE_UNKNOWN_ERROR' | 'FAILURE_BENE_AMOUNT_LIMIT_EXCEEDED' | 'FAILURE_UPSTREAM_DOWN' | 'FAILURE_BENE_BANK_OFFLINE' | 'FAILURE_INVALID_ACC_OR_IFSC' | 'FAILURE_CLOSED_ACCOUNT' | 'FAILURE_IMPS_NOT_ENABLED' | 'FAILURE_BENE_RISK_THRESHOLD_EXCEEDED' | 'FAILURE_NRE_ACCOUNT' | 'FAILURE_SUSPECTED_FRAUD' | 'FAILURE_BLOCKED_OR_FROZEN_ACCOUNT' | 'FAILURE_MEMO_ON_ACCOUNT' | 'FAILURE_UPSTREAM_TIMEOUT'

## Other responses

- `400` — Bad Request
- `500` — Internal Server Error

---

[API](https://skmtc.dev/idto/apis/verification-api.md) · [All operations](https://skmtc.dev/idto/apis/verification-api/llms.txt) · [OpenAPI document](https://skmtc-service-production.skmtc.workers.dev/v1/apis/idto/verification-api/revisions/e3d57dab8db4/schema)