---
title: "Bank Account Verification Pennyless"
method: POST
path: "/v1/kycs/verifications/bank-account/pennyless"
---

# Bank Account Verification Pennyless

`POST /v1/kycs/verifications/bank-account/pennyless`

Use this API to verify the ownership and validity of a bank account.

## Request body

- object
  - `bank_account_number` string, required — The bank account number you want to verify.<br><br>Example: `56733281905`
  - `bank_ifsc_code` string, required — IFSC of the bank you want to verify.<br><br>Example: `HDFC0000123`
  - `merchant_reference_id` string, required — Unique identifier entered when creating the verification request.<br><ul><li>Only alphabets and numbers are allowed.</li><li>Minimum: 7 characters.</li><li>Maximum: 40 characters.</li></ul>Example: `1409614085`

## Response `200`

200

- union
  - object
    - `id` string
    - `object` string
    - `bank_account_number` string
    - `bank_ifsc_code` string
    - `name_as_per_bank` string
    - `force_penny_drop` boolean
    - `force_penny_drop_amount` integer
    - `status` string
    - `message` string
    - `last_verified_at` string
    - `metadata` object
      - `key_1` string
      - `key_2` string
    - `merchant_reference_id` string
    - `created_at` integer
    - `is_sandbox` boolean
  - object
    - `id` string
    - `object` string
    - `bank_account_number` string
    - `bank_ifsc_code` string
    - `name_as_per_bank` unknown
    - `force_penny_drop` boolean
    - `force_penny_drop_amount` integer
    - `status` string
    - `message` string
    - `last_verified_at` unknown
    - `metadata` object
      - `key_1` string
      - `key_2` string
    - `merchant_reference_id` string
    - `created_at` integer
    - `is_sandbox` boolean

## Other responses

- `401` — 401
- `422` — 422

---

[API](https://skmtc.net/zwitch/apis/2.md) · [All operations](https://skmtc.net/zwitch/apis/2/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/zwitch/2/revisions/4586157daf87/schema)