---
title: "Penny Drop"
method: POST
path: "/pgauth/ve1_2/accountvalidation"
tags: ["Penny Drop"]
---

# Penny Drop

`POST /pgauth/ve1_2/accountvalidation`

This API facilitates account validation with pennydrop

## Headers

- `BD-Traceid` string, required
- `BD-Timestamp` string, required
- `Content-Type` string, required
- `Accept` string, required

## Request body

- object
  - `mercid` string — Unique identifier as defined by BillDesk for each merchant
  - `currency` string — ISO currency of the transaction amount, for INR this value will be 356
  - `bankid` string — BillDesk defined unique identifier for acquirer Mandatory for Upi and Netbanking flows
  - `itemcode` string — Itemcode value as provided by BillDesk, with a default value DIRECT
  - `additional_info` AdditionalInfo — Array of 7 additional_info values that can be attached to the transaction. Note: Merchant is advised to not pass customer PII information in additional info fields.
    - `additional_info1` string
    - `additional_info2` string
    - `additional_info3` string
    - `additional_info4` string
    - `additional_info5` string
    - `additional_info6` string
    - `additional_info7` string
  - `orderid` string — Unique ID generated by the merchant for each request
  - `payment_method` 'card' | 'netbanking' | 'upi' | 'eft' | 'cardless' | 'bankaccount' — Represents the method of payment, and can take the following values - card, netbanking, wallet, upi, eft, bankaccount, cashcard, cardless (non-card emi option) The associated object will also be provided in the request.
  - `bank_account` object
    - `number` string — Bank account number
    - `ifsc` string — IFSC of the bank account number
  - `customer` object
    - `name` string — Name of the bank account holder
  - `device` DeviceOrder — Device Object
    - `init_channel` 'internet' | 'app' | 'kiosk', required — Initiating channel,accepted values are internet,app or kiosk
    - `ip` string, required — Customer’s IP address
    - `user_agent` string, required — Exact content of the HTTP user-agent header Note: If the total length of the User-Agent sent by the browser exceeds 2048 characters, truncate the excess portion
    - `accept_header` string, required — Customer browser accept header values

## Response `200`

OK

- object
  - `objectid` 'transaction' | 'authentication' | 'mandate' | 'invoice' | 'cardaccount' | 'validatevpa' | 'dispute' | 'settlement' | 'altid' | 'mandate_token' | 'accountvalidation' — String representing the object's type. Objects of the same type share the same value.
  - `bank_account` object
    - `number` string — Bank account number
    - `ifsc` string — IFSC of the bank account number
    - `name` string — Name of the bank account holder
  - `customer` object
    - `name` string — Name of the bank account holder
  - `validationid` string
  - `mercid` string — Unique identifier as defined by BillDesk for each merchant
  - `orderid` string — Unique ID generated by the merchant for each request
  - `currency` string — ISO currency of the transaction amount, for INR this value will be 356
  - `bankid` string — BillDesk defined unique identifier for acquirer Mandatory for Upi and Netbanking flows
  - `itemcode` string — Itemcode value as provided by BillDesk, with a default value DIRECT
  - `additional_info` AdditionalInfo — Array of 7 additional_info values that can be attached to the transaction. Note: Merchant is advised to not pass customer PII information in additional info fields.
    - `additional_info1` string
    - `additional_info2` string
    - `additional_info3` string
    - `additional_info4` string
    - `additional_info5` string
    - `additional_info6` string
    - `additional_info7` string
  - `auth_status` 'pending' | 'failure' — Represents the status of the request – with possible values as • success • failure
  - `bankrefno` string — Transaction reference number generated by bank or acquirer
  - `name_matched` 'true' | 'false' — Value that indicates the status of name matching
  - `createdon` string, date-time — object creation timestamp

---

[API](https://skmtc.net/billdesk/apis/payments.md) · [All operations](https://skmtc.net/billdesk/apis/payments/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/billdesk/payments/revisions/43f021fc467f/schema)