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

application/json

{
  "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

merchant.entitystringrequired

Your entity reference created as part of on-boarding. Used to route the request in Access Worldpay.

Example: "default"

instructionsobject(instructionsItems)required

instructions.partyobject(partyItems)required

instructions.party.typestringrequired

The type of this party. Only beneficiary type is accepted.

Example: "beneficiary"

instructions.party.payoutInstrumentobject(payoutInstrumentItems)required

A object that holds details of your payout instrument. <br> View our bank coverage guide for country specific requirements.

instructions.party.payoutInstrument.typestring

The type of the payoutInstrument.

Example: "bankAccount"

instructions.party.payoutInstrument.currencystring= 3 characters^[A-Z]*$

The currency in ISO 4217 currency format.

Example: "GBP"

instructions.party.payoutInstrument.ibanstring

Beneficiary IBAN. You must either provide iban or accountNumber.

Example: "GB41CITI18500818404062"

instructions.party.payoutInstrument.accountNumbernumber

Example: 123456

instructions.party.payoutInstrument.accountHolderNamestring

Full name of the beneficiary. accountHolderName is a mandatory element of the request body when firstName and lastName are missing.

Example: "John Smith"

instructions.party.payoutInstrument.accountTypestringrequired

Type of the account bank.

Enum"checking""savings""moneyMarket""certificateOfDeposit""vista""other"

instructions.party.payoutInstrument.bankCodestring

The code of the bank which must be exactly six digits.

Example: "184758"

instructions.party.payoutInstrument.bankNamestring

Example: "Demo Bank"

instructions.party.payoutInstrument.branchCodestring

Example: 1234

instructions.party.payoutInstrument.swiftBicstring

Example: "DBbic01"

instructions.party.payoutInstrument.addressobject(payoutInstrumentAddressItems)required

instructions.party.payoutInstrument.address.typestring

Identifies the type of this address.

Enum"home""business""poBox""other"

instructions.party.payoutInstrument.address.address1string

The address. Must consist of at least two letters, two words, and one number.

instructions.party.payoutInstrument.address.address2string

Line two of the address.

instructions.party.payoutInstrument.address.citystring

The city of this address.

instructions.party.payoutInstrument.address.postalCodestring

The postal code of this address.

instructions.party.payoutInstrument.address.countryCodestring= 2 charactersrequired

The country code specified in <a href="/products/reference/supported-countries-currencies">ISO 3166-1 Alpha-2 country code</a>.

Example: "GB"

instructions.party.personalDetailsobject(personalDetailsItems)required

instructions.party.personalDetails.typestring

What the party represents: personal - an individual company - a corporation or partnership with multiple owners..

Example: "personal"

instructions.party.personalDetails.titlestring

The title for this person.

Enum"mr""mrs""miss""ms""dr""mx""misc"

Example: "mr"

instructions.party.personalDetails.firstNamestring

First name of the beneficiary. firstName and lastName are mandatory elements of the request body when accountHolderName is missing.

Example: "John"

instructions.party.personalDetails.middleNamestring

Middle name name of the beneficiary.

instructions.party.personalDetails.lastNamestring

Last name name of the beneficiary.

Example: "Smith"

instructions.party.personalDetails.dateOfBirthstring

The date the person was born.

instructions.party.personalDetails.companyNamestring

Company name. companyName must be provided if accountHolderName is not present and type is company.

instructions.party.personalDetails.dateOfIncorporationstring

The incorporation date for the company.

instructions.party.personalDetails.emailstring

An email address for this party.

instructions.party.personalDetails.phonesArray of objects(phoneItems)

A list of phone numbers associated with this party.

instructions.expandableKeyValuePairsobject(expandableKeyValuePairsItems)

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

Beneficiary Account Verifications API

Verify an account

Request example

Schema

Response example

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