Identity Verification
Verify Account Number

Verify Account Number

Never send money to the wrong person again. Instantly verify any Nigerian bank account and retrieve the account holder's name before initiating a transfer.

Endpoint

POST https://api.budpay.com/api/v2/account_name_verify

Quick Start

Endpoint: POST https://api.budpay.com/api/v2/account_name_verify

1curl -X POST 'https://api.budpay.com/api/v2/account_name_verify' \2  -H 'Content-Type: application/json' \3  -H 'Authorization: Bearer YOUR_SECRET_KEY' \4  -d '{5  "bank_code": "000013",6  "account_number": "0050883605"7}'
{  "success": true,  "message": "Account name retrieved",  "data": "SAMUEL OWOLABI BLESSING"}
Powered byXendr

Error Responses

Invalid Input (400)

{
    "success": false,
    "message": "Invalid bank code or account number"
}

Unauthorized (401)

{
    "success": false,
    "message": "Authentication failed"
}

Account Not Found (404)

{
    "success": false,
    "message": "Account not found"
}

Validation Error (422)

{
    "success": false,
    "message": "Validation error",
    "errors": {
        "bank_code": ["The bank code field is required"],
        "account_number": ["The account number field is required"]
    }
}

Best Practices

Always verify account details before initiating transfers. A quick verification can save you from failed payments and customer disputes.

  • Verify First, Transfer Later — Always validate before processing payments
  • Compare Names — Check the returned name against the expected recipient
  • Show Confirmation — Display the verified name so users can confirm
  • Cache Wisely — Store verified accounts to reduce repeat API calls
  • Set Timeouts — Handle network delays gracefully

Security

⚠️

Never store or log complete account numbers in plain text. Use masked formats like ****3605 for display and logging.

  • Sanitize Input — Validate bank codes and account numbers before sending
  • Server-Side Only — Keep verification logic on your backend
  • HTTPS Required — Always use secure connections
  • Rate Limit — Prevent abuse with sensible request limits
OverviewBVN Verification