---
title: "Validate card data"
method: POST
path: "/v1/cards/validate"
tags: ["UPI"]
---

# Validate card data

`POST /v1/cards/validate`

Validate client card data for [Transfer funds](https://developers.pismo.io/pismo-docs/reference/post-funds-transfer)

## Headers

- `Authorization` string, required
- `user-agent` string, required

## Request body

- CardsValidateRequest
  - `account_reference_number` string, required — Account reference number. Pismo creates this automatically when creating a card linked to RuPay on UPI. This number combines 10 BIN digits and the credit account number. If BIN is 6 digits, the remaining 4 digits are set to zero (`0`). If BIN is 8 digits, then the remaining 2 digits are set to zero. This is a [NPCI](https://www.npci.org.in/what-we-do/rupay/product-overview) standard. For example, if the account reference number = `1234560000987654321`, the first six digits are the BIN, appended with 4 zeros and then the credit account number (`987654321``). You can call [List cards](https://developers.pismo.io/pismo-docs/reference/post-list-cards) to get a card's account reference number.
  - `card_data` CardsCardData, required
    - `card_expiration` string, required — Card expiration, format = MMYY. **REQUIRED** if `last_six_digits` is passed.
    - `last_six_digits` string, required — Card's last six digits. **REQUIRED** if `card_expiration` is passed
  - `external_transaction_datetime` string, required — Request datetime. ISO 8601 format.
  - `external_transaction_id` string, required — Request ID code
  - `pin_data` CardsPinData
    - `pin_block` string, required — Pin block
    - `key_id` string, required — Key encryption ID

## Response `200`

Response Body

- CardsValidateResponse
  - `account_reference_number` string, required — Account reference number. Pismo creates this automatically when creating a card linked to RuPay on UPI. This number combines 10 BIN digits and the credit account number. If BIN is 6 digits, the remaining 4 digits are set to zero (`0`). If BIN is 8 digits, then the remaining 2 digits are set to zero. This is a [NPCI](https://www.npci.org.in/what-we-do/rupay/product-overview) standard. For example, if the account reference number = `1234560000987654321`, the first six digits are the BIN, appended with 4 zeros and then the credit account number (`987654321``). You can call [List cards](https://developers.pismo.io/pismo-docs/reference/post-list-cards) to get a card's account reference number.
  - `external_transaction_datetime` string, required — Request datetime. ISO 8601 format.
  - `external_transaction_id` string, required — Request ID code
  - `result` string, required — Validation result. If not valid, an error message is returned.

## Other responses

- `400` — Bad Request
- `403` — Forbidden
- `404` — Not Found
- `409` — Conflict
- `422` — UnprocessableEntity
- `500` — Internal Server Error

---

[API](https://skmtc.net/pismo/apis/platform-authentication.md) · [All operations](https://skmtc.net/pismo/apis/platform-authentication/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/pismo/platform-authentication/revisions/935b62e16de4/schema)