Penny Drop Verification

Objective

The Penny Drop Verification module validates a bank account number and the Indian Financial System Code(IFSC) associated with it by making a transaction of 1 rupee (a penny drop).

Input	Output
The account number and its IFSC	The response indicating the status of the transaction and additional details such as the account holder's name

Inputs

The following table provides the details of the input parameters required for the module.

Parameter	Mandatory or Optional	Description	Valid Values
ifsc	Mandatory	The IFSC of the account's branch.	Not Applicable
accountNumber	Mandatory	The account number associated with the bank account.	Not Applicable

Success Response Sample

The following are samples of success responses from the module.

Successful Penny-Drop
Non-Resident External Account

{
  "status": "success",
  "statusCode": "200",
  "result": {
    "bankResponse": "Transaction Successful",
    "ifsc": "<Enter_the_IFSC>",
    "accountNumber": "<Enter_the_Account_Number>",
    "accountName": "<Enter_the_Name_of_the_Account_Holder>",
    "bankTxnStatus": true
  }
}

{
  "status": "success",
  "statusCode": "200",
  "result": {
    "bankResponse": "NRE Account",
    "ifsc": "<Enter_the_IFSC>",
    "accountNumber": "<Enter_the_Account_Number>",
    "accountName": "<Enter_the_Name_of_the_Account_Holder>",
    "bankTxnStatus": true
  }
}

Success Response Details

The following table provides the details of the fields in a success response.

Parameter	Description
bankResponse	Indicates the result of the transaction, signaling whether it was a success or a failure.
ifsc	The IFSC Code of the bank account for reference.
accountNumber	The account number associated with the bank transaction.
accountName	The name of the account holder associated with the bank account.
bankTxnStatus	Indicates the status of the transaction, with a value of "true" if the transaction was successful and "false" if it was not.

Failure Response Sample

The following is a failure response sample for a blocked account.

{
  "status": "success",
  "statusCode": "200",
  "result": {
    "bankResponse": "Account is blocked",
    "ifsc": "<Enter_the_IFSC>",
    "accountNumber": "<Enter_the_Account_Number>",
    "accountName": "<Enter_the_Name_of_the_Account_Holder>",
    "bankTxnStatus": false
  }
}

Error Response Sample

The following are the sample error responses from the module.

{
  "status": "failure",
  "statusCode": "422",
  "error": "Invalid value passed for an input: Account number or IFSC"
}

{
    "status": "failure",
    "statusCode": "422",
    "error": "Invalid value passed for an input: Account number"
}

{
  "status": "failure",
  "statusCode": "422",
  "error": "Invalid value passed for an input: IFSC"
}

{
  "status": "failure",
  "statusCode": "422",
  "error": "Invalid value passed for an input: IFSC pattern"
}

{
  "status": "failure",
  "statusCode": "400",
  "error": "ifsc length must be 11 characters long"
}

{
    "status": "failure",
    "statusCode": "400",
    "error": "accountNumber length must be at least 6 characters long"
}

{
  "status": "failure",
  "statusCode": "400",
  "error": "accountNumber length must be less than or equal to 25 characters long"
}

{
  "status": "failure",
  "statusCode": "500",
  "error": "Internal Server Error"
}

Bank Error: IMPS Mode Fail
Bank Error: Beneficiary Bank Offline
Bank Error: Source Bank Declined
Bank Error: Failed at Bank
Bank Error: Transaction Failed

{
  "status": "failure",
  "statusCode": "500",
  "error": "Bank Error: IMPS Mode Fail"
}

{
  "status": "failure",
  "statusCode": "500",
  "error": "Bank Error: Beneficiary Bank Offline"
}

{
  "status": "failure",
  "statusCode": "500",
  "error": "Bank Error: Source Bank Declined"
}

{
  "status": "failure",
  "statusCode": "500",
  "error": "Bank Error: Failed at Bank"
}

{
  "status": "failure",
  "statusCode": "500",
  "error": "Bank Error: Transaction Failed"
}

Bank Error: NPCI Unavailable
Bank Error: Failed at Beneficiary Bank
Bank Error: IMPS not supported on Beneficiary Account
Bank Error: Verification Attempt Failed

{
  "status": "failure",
  "statusCode": "500",
  "error": "Bank Error: NPCI Unavailable"
}

{
  "status": "failure",
  "statusCode": "500",
  "error": "Bank Error: Failed at Beneficiary Bank"
}

{
  "status": "failure",
  "statusCode": "500",
  "error": "Bank Error: IMPS not supported on Beneficiary Account"
}

{
  "status": "failure",
  "statusCode": "500",
  "error": "Bank Error: Verification Attempt Failed"
}

Failure and Error Response Details

A failure or error response from the module contains a failure status, with a relavant status code and error message. The following table lists all error responses.

Status Code	Error Message	Error Description
422	Invalid Account Number or IFSC	An invalid value was provided for either the account number or IFSC in the input.
422	Invalid Account Number	An invalid value was provided for the account number in the input.
422	Invalid IFSC	An invalid value was provided for the IFSC in the input.
422	Invalid IFSC Pattern	An invalid value was provided for the IFSC pattern in the input.
400	Invalid IFSC Length	The length of the IFSC provided is not 11 characters long as required.
400	Account Number Length is too Short	The length of the account number provided is less than the required minimum of 6 characters.
400	Account Number Length is too Long	The length of the account number provided exceeds the maximum limit of 25 characters.
500	Internal Server Error	Kindly check the request headers or contact the HyperVerge team for resolution.
500	Bank Error: IMPS Mode Fail	A bank-related error, specifically the failure of the IMPS mode.
500	Bank Error: Beneficiary Bank Offline	A bank-related error, with the beneficiary bank being offline.
500	Bank Error: Source Bank Declined	A bank-related error, with the source bank declining the transaction.
500	Bank Error: Failed at Bank	A bank-related error, with the transaction failing at the bank.
500	Bank Error: Transaction Failed	A bank-related error, with the transaction failing.
500	Bank Error: NPCI Unavailable	A bank-related error, with the National Payments Corporation of India (NPCI) being unavailable.
500	Bank Error: Failed at Beneficiary Bank	A bank-related error, with the transaction failing at the beneficiary bank.
500	Bank Error: IMPS not supported on Beneficiary Account	A bank-related error, with the beneficiary account not supporting IMPS.
500	Bank Error: Verification Attempt Failed	A bank-related error, specifically a failure in the verification attempt.

Objective​

Inputs​

Success Response Sample​

Success Response Details​

Failure Response Sample​

Error Response Sample​

Failure and Error Response Details​