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Verify an account

New service | Last updated: 09 October 2025

Beneficiary Account Verifications API

New

Verify a beneficiary's bank details to ensure the payout is going to the intended account.

Verify an account

POST https://try.access.worldpay.com/accountVerifications

Request example

{
  "merchant": {
    "entity": "default"
  },
  "instructions": [
    {
      "party": {
        "type": "beneficiary",
        "payoutInstrument": {
          "type": "bankAccount",
          "currency": "GBP",
          "iban": "GB41CITI18500818404062",
          "accountHolderName": "John Smith",
          "accountNumber": "123456",
          "bankCode": "184758",
          "bankName": "Demo Bank",
          "branchCode": "1234",
          "swiftBic": "DBbic01",
          "accountType": "checking",
          "address": {
            "type": "personal",
            "address1": "Main Bvd",
            "address2": "No 1",
            "city": "London",
            "postalCode": "012345",
            "countryCode": "GB"
          }
        },
        "personalDetails": {
          "type": "personal",
          "title": "Mr",
          "firstName": "John",
          "middleName": "",
          "lastName": "Smith",
          "dateOfBirth": "2000-01-01",
          "companyName": "Co Name",
          "dateOfIncorporation": "2025-01-01",
          "email": "john@domain.com",
          "phones": [
            {
              "number": "7777777777",
              "prefix": "44"
            }
          ]
        }
      },
      "expandableKeyValuePairs": {
        "key": "value"
      }
    }
  ]
}

Schema

merchantobject(merchantItems)required

Note: View our bank coverage guide for country specific requirements.

instructionsArray of objects(instructionsItems)required

Note: Currently only one instruction is accepted.

Response example

{
  "outcome": "fullMatch",
  "message": "Account Details Matched",
  "actualAccountHolderName": ""
}

For a full list of outcomes and errors see our API Reference.

Next steps

Make a payout