v1

latestOpenAPI 3.0.0Proprietary2026-07-1313647393.0 KB

X Account Validation

Validate a bank account or VPA

Three validation methods: (1) penny drop for bank accounts — sends Re.1 to verify; (2) penny drop for VPA — sends Re.1 to UPI address; (3) reverse penny drop — sends UPI intent URL to customer who initiates payment. Live-mode only, RazorpayX Lite account required. Composite validation (creates Contact + Fund Account inline) supported via validation_type field.

post/fund_accounts/validations

Request body

account_type'bank_account' | 'vpa' required

fund_accountobject required

For composite validation, include contact object instead of contact_id

amountinteger

Penny drop amount in paise (typically 100)

currencystring

notesobject

receiptstring

validation_type'pennydrop' | 'penniless' | 'optimized'

penniless = reverse penny drop (UPI intent); optimized = system chooses best method

Response

Validation created

idstring

Validation ID (fav_*)

entity'fund_account.validation'

status'created' | 'completed' | 'failed'

amountinteger

Penny drop amount in paise

currencystring

utrstring

reference_idstring

notesobject

validated_account_typestring

status_detailsobject

created_atinteger