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Bank Verification
Response Codes
Bank Verification
Bank Verification
Response Codes
Bank Verification API
Sandbox endpoint URL:
https://gateway2-stg.www.merchantservicedepot.com/apis/{method}
Example:
https://portal.www.merchantservicedepot.com/apis/bank_verification.php
Production endpoint URL:
https://portal.tcbpay.com/apis/{method}
Bank Verification
Bank Verification API
This API is responsible for bank verification.
URL to call
https://gateway2-stg.tcbpay.com/apis/bank_verification.php
Method of form submission
POST
The table describes the request parameters for Bank Verification API.
| Variable Name | Description | Required | Expected Value |
|---|---|---|---|
| username | Merchant service depot Gateway Username | Y | Merchant service depot Gateway Username |
| api_key | Merchant service depot Gateway API Key | Y | Merchant service depot Gateway API Key |
| use_secret_key | Set the secret key in the account setting to encrypt account_number and routing_number. Make sure to encrypt account_number and routing_number with AES 128-bit ECB cipher code. | N | Y or N (default value N) Y- encrypt account_number and routing_number using AES 128 bit ECB cipher mode encryption |
| account_number | Bank account number (5 to 17 digits account number) | Y | 0000000016 |
| routing_number | Bank routing number | ||
| (9 digits routing number) | Y | 122105278 | |
| account_type | Bank account type | Y | SAVINGS, CHECKING, OTHER |
| business_name | Business name of account holder (Provide Business name or First name, Last name if account holder's name needs to be matched) | C | Smith and Associates Consulting |
| first_name | First name of account holder (Provide Business name or First name, Last name if account holder's name needs to be matched) | C | Jane |
| middle_name | Middle name of account holder | N | |
| last_name | Last name of account holder | ||
| (Provide Business name or First name, Last name if account holder's name needs to be matched) | C | Doe |
Example
<form action="https://portal.tcbpay.com/apis/bank_verification.php" method="post" >
<input type="text" name="username" value="tcbpayusername"/>
<input type="text" name="api_key" value="tcbpayapikey"/>
<input type="text" name="use_secret_key" value="N"/>
<input type="text" name="account_number" value="0000000016"/>
<input type="text" name="routing_number" value="122105278"/>
<input type="text" name="account_type" value="CHECKING"/>
<input type="text" name="business_name" value=""/>
<input type="text" name="first_name" value="Jane"/>
<input type="text" name="middle_name" value=""/>
<input type="text" name="last_name" value="Doe"/>
<input type="submit" value="submit" />
</form>
Sample Response :
{"response":{"code":"00","description":"Account verified","routing_number":"122105278","account_number":"********0016","business_name":"","item_reference_id":"10125186087","bank_name":"WELLS FARGO BANK NA (ARIZONA)","account_response_code":"1111: Account Verified - The account was found to be an open and valid account","customer_response_code":"CA11: Customer authentication passed verification","verification_response":"Pass","timestamp":"2024-08-30 6:10:05 AM","account_added_date":"2023-06-23","account_last_updated_date":"2024-06-23"}}
Bank Verification API
Response Codes
| Code | Description |
|---|---|
| 01 | Username is missing or invalid |
| 09 | API Key is missing or invalid |
| B1 | Account verified, But the business or account holder name did not match |
| B2 | Account not verified |
| UN | Unknown error, Please contact Administrator |