> ## Documentation Index > Fetch the complete documentation index at: https://deepvue-2e0dbadd.mintlify.site/llms.txt > Use this file to discover all available pages before exploring further. # Penny Drop > Bank account verification or penny drop check is a way to verify the authenticity of a customer's bank account. We take the Bank Account details and deposit 1 INR into the account. In return, we are able to fetch the Account Information The API verifies a bank account and IFSC code combination. A successful response is billable only in case of a 200 Response Status Code. ## OpenAPI ````yaml GET /v1/verification/bankaccount openapi: 3.0.2 info: title: Deepvue.tech Developers' Guide description: >- Deepvue.tech's APIs and SDKs are a No-Code Solution to Document Digitization and Verification for Businesses. version: v1 x-logo: url: https://deepvue.tech/wp-content/uploads//2022/01/deepvue-logo1-1.svg servers: - url: https://production.deepvue.tech security: - BearerAuth: [] ApiKeyAuth: [] tags: - name: Authorization description: |- - You need an Authorized Access Token to access any of the Platform APIs. - One Access Token will be valid for only 24 hours. - After 24 hours, you can renew the token by using the Authorize Endpoint. - This will issue another access_token valid for 24 hrs. - name: Aadhaar Ekyc V2 description: New streamlined APIs for Aadhaar eKYC - name: Offline Aadhaar eKYC description: >- Offline Aadhaar KYC, or OKYC, is a legally compliant KYC method as per UIDAI guidelines. Your customers can provide their Aadhaar number and verify with an OTP sent to their Aadhaar-linked mobile number, to access a downloadable XML file with their Aadhaar details. **How does Offline Aadhaar Verification work?** **Provide Consent**: Customers agree or disagree to continue at the initial screen. **Share Aadhaar Number**: Customers provide their Aadhaar number to proceed with the verification. **Verify with OTP**: Verify with an OTP sent to their Aadhaar-linked mobile number by UIDAI, to access a downloadable XML file with their Aadhaar details in a share code manner. **Realtime face match** for liveness detection: The Aadhaar Offline document has Name, Address, Photo, Gender, DOB. Optionally, the photo in the UIDAI Issued Aadhaar document can be matched with customers' live photo or a selfie in real time to ensure liveness checks. *You can simply integrate Offline Aadhaar eKYC within your application with no-code and in no time with our Deepvue.tech Offline Aadhaar eKYC SDKs.* **Below are the integration guides to integrate the platform specific SDKs:** **Android SDK** : https://github.com/deepvue-tech/deepvue-aadhaar-offline-ekyc-android-sdk **iOS SDK** : https://github.com/deepvue-tech/deepvue-aadhaar-offline-ekyc-ios-sdk **React-Native SDK** : https://github.com/deepvue-tech/deepvue-aadhaar-offline-ekyc-react-sdk **Flutter SDK** : https://pub.dev/packages/aadhaar_offline_ekyc **NOTE**: As per the compliances by UIDAI on sharing and storage of Aadhaar number is not allowed. Service Providers shall not share, publish or display either Share Code or XML file or its contents with anyone else. Any non-compliance of these actions shall invite actions under Sections 17 and 25 of The Aadhaar (Authentication) Regulation, 2016, Sections 4 and 6 of The Aadhaar (Sharing of Information) Regulation, 2016 and Sections 29(2), 29 (3), and 37 of The Aadhaar Act, 2016. Consent should be mandatorily stored at the company end to proceed with verification. If you want to integrate Aadhaar eKYC in your web application or want to build your own customized workflow you can use our Aadhaar eKYC APIs detailed below. Embed offline eKYC Aadhaar flow to verify consumers on your application using a simple flow. - **Initiate Session**: This API allows the platform to initiate a session to get the captcha before passing the Aadhaar number of the customer. - **Generate OTP**: This API allows the platform to pass the Aadhaar number to generate OTP to the linked mobile number. - **Verify OTP**: This API allows the platform to pass the OTP to Deepvue.tech to fetch the customer's Aadhaar information from UIDAI. If the customer or the platform wishes to restart the session, a new captcha can be generated using the Reload Captcha API. - name: Digilocker description: >- Digilocker is an initiative under Digital India Program which aims to remove the dependency on physical documents and power the sharing of verified electronic documents across authorised agencies. **Benefits of Digilocker** 1. Documents can be shared online, accessed anytime, anywhere. 2. Documents can be authenticated by the users, legally on a par with originals. 3. It's simple to use and very convenient. 4. Documents are issued directly by the registered issuers such as Income Tax Department, CBSE, Registrar Office, etc. **Product Flow** **Initiate Session** : This API creates a session in which DigiLocker journey can be completed with other APIs in the flow. **Get User Access Token** : This API allows the platform to get user access token from Digilocker by passing the authorisation code generated from Digilocker. **Get Issued Files** : This API allows the platform to fetch a list of issued documents from Digilocker. **Download e-Aadhar** : This API allows the platform to download the Aadhaar XML from Digilocker. **Download File** : This API allows the platform to download the file from Digilocker by passing the URI for a particular document. - name: KYC APIs description: >- Verify Aadhaar, PAN, GSTIN, Bank Account, and UPI details in real time for quick KYC checks. - name: Document OCR description: >- Our systems use Modern & Latest OCR technology to scan the document images for field’s like full name, dob, address, etc. on the photo IDs and exctract these fields as key-value pairs. - name: Document Forensics description: >- Set of APIs that help with document forensic checks like template validation, image quality, photocopy, and spoof checks. - name: Face Forensics description: >- APIs for facial recognition and liveliness verification in real time. The Face Match API employs advanced algorithms for reliable facial matching, crucial for secure access control and compliance. The Passive Liveness API enhances security by detecting and confirming the liveliness of faces during authentication, providing an additional layer of protection against impersonation and fraud. - name: Async KYC APIs description: >- Verify other Identity documents such as Driving License, Vehicle Registration Certificate etc. in real time for fast KYC checks. These are Asynchronous APIs which return a request ID and use a webhook mechanism to return the response back to your servers. You can then use this request ID and feed this into our GET API to consume the response. - name: GST APIs description: >- Set of APIs that help with GST Registered business verification and onboarding. - name: GST Taxpayer APIs description: >- The GST Taxpayer APIs are provided by the GSTN for public usage. These APIs, together, mirror the GST Portal. Therefore, you can use these APIs to integrate GST compliance into your workflow itself. Use the following workflow to access the GST Taxpayer APIs: **First**, the GST taxpayer is authenticated using **OTP Verification**. **Second**, after successful authentication, the GST Taxpayer APIs can be accessed. i. **Ledger APIs** - Fetch the taxpayer's ledger like a) Cash ITC Balance, b) Cash Ledger, c) ITC Ledger. ii. **Returns APIs** - Fetch the taxpayer's detailed summaries of GSTR -1 and GSTR -3B Returns. - name: Taxpayer APIs description: |- Taxpayer APIs includes TAN Verification. Taxpayer APIs help businesses verify their vendors, customers & employees using TAN. APIs also provide publicly available data such as name, address, and contact details that can be verified against physical documents. - name: ITR APIs description: |- ITR APIs includes ITR Verification APIs including 26AS. ITR APIs helps businesses download ITR information, such as ITR ID, Filing Year, Acknowledgement Number, ITR Form, Filing Date, ITR status, etc.. - name: MSME APIs description: >- Set of APIs that help with MSME Registered business verification and onboarding. - name: MCA APIs description: >- Set of APIs that help fetch MCA's Director Master Data & Company Master Data. - name: Financial Services description: >- Suite that provides you whole array of APIs to serve multiple financial services and fetch data for an organisation or individual from various data sources in a streamlined manner. Some of the key things that you can do here are: i.Fetch the Credit Report from any of our partner credit bureaus. ii.Fetch customer's Customer Data Pull basis mobile number and name to simplify your onboarding. - name: Account Aggregator description: >- Account Aggregators(AAs) are regulated entities that facilitate consented sharing of financial data by utilising the DEPA framework. They act as the bridge between data providers such as banks, and data consumers such as lenders—to enable the sharing of a user’s financial data based on their explicit consent. Deepvue currently provides AA-related services in close partnership with a fully-licensed AA. paths: /v1/verification/bankaccount: get: tags: - KYC APIs summary: Bank Account Verification description: >- Bank account verification or penny drop check is a way to verify the authenticity of a customer's bank account. We take the Bank Account details and deposit 1 INR into the account. In return, we are able to fetch the Account Information The API verifies a bank account and IFSC code combination. A successful response is billable only in case of a 200 Response Status Code. operationId: Bank_Account_Verification_v1_verification_bankaccount_get parameters: - required: true schema: title: Account Number type: string name: account_number in: query - required: true schema: title: Ifsc type: string name: ifsc in: query - required: false schema: title: Name type: string name: name in: query responses: '200': description: Successful Response content: application/json: schema: title: >- Response 200 - Account Verified / Invalid Account Or IFSC / Account Blocked / Invalid IFSC / NRE Account anyOf: - $ref: '#/components/schemas/RESPONSE_BAV_PENNY_DROP_200_VERIFIED' - $ref: >- #/components/schemas/RESPONSE_BAV_PENNY_DROP_200_INVALID_ACCOUNT_OR_IFSC - $ref: >- #/components/schemas/RESPONSE_BAV_PENNY_DROP_200_ACCOUNT_BLOCKED - $ref: >- #/components/schemas/RESPONSE_BAV_PENNY_DROP_200_INVALID_IFSC - $ref: >- #/components/schemas/RESPONSE_BAV_PENNY_DROP_200_NRE_ACCOUNT examples: 200 - Account Verified: summary: Bank account verified successfully value: code: 200 timestamp: 1738042952419 transaction_id: fe104a7a-f3a9-4365-9390-e3af0e4193e5 data: message: Bank Account details verified successfully. account_exists: true name_at_bank: Master NIHARika . utr: '502811454342' amount_deposited: 1 name_information: name_at_bank_cleaned: Master Niharkika 200 - Invalid Account Or IFSC: summary: Invalid account number or IFSC value: code: 200 timestamp: 1738042853984 transaction_id: 95237c7f-607e-4601-86fe-bd14a5d07e90 data: account_exists: false message: Invalid account number or ifsc provided 200 - Account Blocked: summary: Account is blocked value: code: null timestamp: null transaction_id: string data: account_exists: true message: Account is blocked 200 - Invalid IFSC: summary: Invalid IFSC value: code: null timestamp: null transaction_id: string data: account_exists: true message: IFSC is invalid 200 - NRE Account: summary: NRE account detected value: code: null timestamp: null transaction_id: string data: account_exists: true message: Given account is an NRE account '400': description: BAD_REQUEST (Invalid Input / Parameters) content: application/json: schema: title: Response 400 - Inactive Client / Bad Request anyOf: - $ref: >- #/components/schemas/RESPONSE_BAV_PENNY_DROP_400_INACTIVE_CLIENT examples: 400 - Inactive Client: summary: Inactive client value: detail: Inactive client_id '401': description: Incorrect client_id or client_secret content: application/json: schema: title: >- Response 401 - Not Authenticated / Invalid Client / Invalid Credentials / Authorization Failure anyOf: - $ref: >- #/components/schemas/RESPONSE_BAV_PENNY_DROP_401_UNAUTHENTICATED examples: 401 - Not Authenticated: summary: Not authenticated value: detail: Not authenticated '403': description: Access Forbidden content: application/json: schema: title: Response 403 - Token Expired / Access Forbidden anyOf: - $ref: >- #/components/schemas/RESPONSE_BAV_PENNY_DROP_403_ACCESS_FORBIDDEN examples: 403 - Invalid Token: summary: Invalid token value: detail: Not a valid token '422': description: BAD_REQUEST content: application/json: schema: title: >- Response 422 - Invalid Bank Account Pattern / Invalid IFSC Pattern anyOf: - $ref: >- #/components/schemas/RESPONSE_BAV_PENNY_DROP_422_INVALID_IFSC_PATTERN examples: 422 - Invalid IFSC Pattern: summary: Invalid IFSC pattern value: code: 422 timestamp: 1738042992649 transaction_id: 800bcdd2-3b0c-48c1-8941-4f86d691804e message: Invalid IFSC pattern '424': description: Failed Dependency content: application/json: schema: title: >- Response 424 - Source Bank Declined / Beneficiary Bank Offline / IMPS Mode Fail / NPCI Unavailable anyOf: - $ref: >- #/components/schemas/RESPONSE_BAV_PENNY_DROP_424_SOURCE_BANK_DECLINED - $ref: >- #/components/schemas/RESPONSE_BAV_PENNY_DROP_424_BENEFICIARY_BANK_OFFLINE - $ref: >- #/components/schemas/RESPONSE_BAV_PENNY_DROP_424_IMPS_MODE_FAIL - $ref: >- #/components/schemas/RESPONSE_BAV_PENNY_DROP_424_NPCI_UNAVAILABLE examples: 424 - Source Bank Declined: summary: Source bank declined value: code: null timestamp: null transaction_id: string message: Source bank declined 424 - Beneficiary Bank Offline: summary: Beneficiary bank offline value: code: null timestamp: null transaction_id: string message: Beneficiary bank offline 424 - IMPS Mode Fail: summary: IMPS mode failed value: code: null timestamp: null transaction_id: string message: IMPS Mode fail 424 - NPCI Unavailable: summary: NPCI unavailable value: code: null timestamp: null transaction_id: string message: NPCI Unavailable '500': description: Internal Server Error content: application/json: schema: title: Response 500 - Internal Server Error / Failed At Bank anyOf: - $ref: >- #/components/schemas/RESPONSE_BAV_PENNY_DROP_500_INTERNAL_SERVER_ERROR examples: 500 - Internal Server Error: summary: Internal server error value: detail: Internal Server Error '501': description: Service Unavailable content: application/json: schema: $ref: >- #/components/schemas/RESPONSE_BAV_PENNY_DROP_501_SOURCE_UNAVAILABLE examples: 501 - Source Unavailable: summary: Source unavailable value: code: null timestamp: null transaction_id: string message: Source Unavailable components: schemas: RESPONSE_BAV_PENNY_DROP_200_VERIFIED: title: Account Verified type: object properties: code: title: Code type: integer default: 200 timestamp: title: Timestamp type: integer transaction_id: title: Transaction Id type: string data: title: Data type: object properties: message: title: Message type: string default: Bank Account details verified successfully. account_exists: title: Account Exists type: boolean name_at_bank: title: Name At Bank type: string utr: title: UTR type: string amount_deposited: title: Amount Deposited type: integer name_information: title: Name Information type: object properties: name_at_bank_cleaned: title: Name At Bank Cleaned type: string RESPONSE_BAV_PENNY_DROP_200_INVALID_ACCOUNT_OR_IFSC: title: Invalid Account Or IFSC type: object properties: code: title: Code type: integer default: 200 timestamp: title: Timestamp type: integer transaction_id: title: Transaction Id type: string data: title: Data type: object properties: account_exists: title: Account Exists type: boolean default: false message: title: Message type: string default: Invalid account number or ifsc provided RESPONSE_BAV_PENNY_DROP_200_ACCOUNT_BLOCKED: title: Account Blocked type: object properties: code: title: Code type: integer nullable: true timestamp: title: Timestamp type: integer nullable: true transaction_id: title: Transaction Id type: string data: title: Data type: object properties: account_exists: title: Account Exists type: boolean default: true message: title: Message type: string default: Account is blocked RESPONSE_BAV_PENNY_DROP_200_INVALID_IFSC: title: Invalid IFSC type: object properties: code: title: Code type: integer nullable: true timestamp: title: Timestamp type: integer nullable: true transaction_id: title: Transaction Id type: string data: title: Data type: object properties: account_exists: title: Account Exists type: boolean default: true message: title: Message type: string default: IFSC is invalid RESPONSE_BAV_PENNY_DROP_200_NRE_ACCOUNT: title: NRE Account type: object properties: code: title: Code type: integer nullable: true timestamp: title: Timestamp type: integer nullable: true transaction_id: title: Transaction Id type: string data: title: Data type: object properties: account_exists: title: Account Exists type: boolean default: true message: title: Message type: string default: Given account is an NRE account RESPONSE_BAV_PENNY_DROP_400_INACTIVE_CLIENT: title: Inactive Client type: object properties: detail: title: Detail type: string default: Inactive client_id RESPONSE_BAV_PENNY_DROP_401_UNAUTHENTICATED: title: Not Authenticated type: object properties: detail: title: Detail type: string default: Not authenticated RESPONSE_BAV_PENNY_DROP_403_ACCESS_FORBIDDEN: title: Access Forbidden type: object properties: detail: title: Detail type: string default: Not a valid token RESPONSE_BAV_PENNY_DROP_422_INVALID_IFSC_PATTERN: title: Invalid IFSC Pattern type: object properties: code: title: Code type: integer default: 422 timestamp: title: Timestamp type: integer transaction_id: title: Transaction Id type: string message: title: Message type: string default: Invalid IFSC pattern RESPONSE_BAV_PENNY_DROP_424_SOURCE_BANK_DECLINED: title: Source Bank Declined type: object properties: code: title: Code type: integer nullable: true timestamp: title: Timestamp type: integer nullable: true transaction_id: title: Transaction Id type: string message: title: Message type: string default: Source bank declined RESPONSE_BAV_PENNY_DROP_424_BENEFICIARY_BANK_OFFLINE: title: Beneficiary Bank Offline type: object properties: code: title: Code type: integer nullable: true timestamp: title: Timestamp type: integer nullable: true transaction_id: title: Transaction Id type: string message: title: Message type: string default: Beneficiary bank offline RESPONSE_BAV_PENNY_DROP_424_IMPS_MODE_FAIL: title: IMPS Mode Fail type: object properties: code: title: Code type: integer nullable: true timestamp: title: Timestamp type: integer nullable: true transaction_id: title: Transaction Id type: string message: title: Message type: string default: IMPS Mode fail RESPONSE_BAV_PENNY_DROP_424_NPCI_UNAVAILABLE: title: NPCI Unavailable type: object properties: code: title: Code type: integer nullable: true timestamp: title: Timestamp type: integer nullable: true transaction_id: title: Transaction Id type: string message: title: Message type: string default: NPCI Unavailable RESPONSE_BAV_PENNY_DROP_500_INTERNAL_SERVER_ERROR: title: Internal Server Error type: object properties: detail: title: Detail type: string default: Internal Server Error RESPONSE_BAV_PENNY_DROP_501_SOURCE_UNAVAILABLE: title: Source Unavailable type: object properties: code: title: Code type: integer nullable: true timestamp: title: Timestamp type: integer nullable: true transaction_id: title: Transaction Id type: string message: title: Message type: string default: Source Unavailable securitySchemes: BearerAuth: type: http scheme: bearer bearerFormat: JWT description: >- ACCESS_TOKEN generated from the authorize endpoint. Should be included in the header as Bearer . ApiKeyAuth: type: apiKey in: header name: x-api-key description: >- The CLIENT_SECRET provided to you. This header parameter is required for authentication purposes. ```` This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.