Making Payment
Account Name Validation

Account Name Validation

Verify bank account details and retrieve the account holder's name before initiating payments. This helps prevent payment errors and ensures funds are sent to the correct recipient.

Endpoint

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

Sample Request

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"}
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Request Parameters

Header Parameters

Field NameDescriptionRequired
AuthorizationBearer token with your secret keyYes
Content-Typeapplication/jsonYes

Body Parameters

ParameterTypeRequiredDescription
bank_codeStringYesBank code from the bank list API
account_numberStringYesBank account number to verify

Response Fields

FieldTypeDescription
successBooleanIndicates if verification was successful
messageStringResponse message
dataStringAccount holder's name

Error Handling

400 Bad Request

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

401 Unauthorized

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

404 Not Found

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

422 Validation Error

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

Best Practices

Tip: Always verify account details before initiating payments to prevent errors and ensure funds reach the correct recipient.

  1. Verify Before Payment: Always validate account details before processing payments
  2. Match Names: Compare returned name with expected recipient name
  3. Handle Errors: Implement proper error handling for invalid accounts
  4. User Confirmation: Display retrieved name for user verification
  5. Cache Results: Store verified accounts to reduce API calls
  6. Timeout Handling: Set appropriate timeouts for verification requests

Security Considerations

⚠️

Security: Never store or log full account numbers in plain text. Use masked formats for display purposes.

  • Validate Input: Sanitize bank codes and account numbers before sending
  • Server-Side Only: Perform verification from your secure backend
  • HTTPS Only: Always use secure connections for API requests
  • Rate Limiting: Implement rate limiting to prevent abuse

Next Steps

Bank ListSingle Transfer