5. Validate a Direct Debit Funding Source bank account

Validation of a direct debit Funding Source is optional and not required before attempting to use the Funding Source in a payment transaction.

This optional feature is presently only available to validate a UK person, not companies or non UK bank accounts.

Validating a UK personal Funding Source before attempting a transaction can result in a lower number of failed transactions and offers additional security that the details of the funding source match that held by the bank.

The following fields are required for validating a Funding Source:

• UK Bank Sort Code
• UK Bank Account Number
• First Name
• Last Name
• Birthdate
• Email
• Address

The Bank Sort Code and Bank Account Number are required during the creation of the Funding Source.  The address field can be set using the “Update Funding Source” API method or can also be passed in when calling the “Validate Funding Source” method.  The First Name, Last Name, Birthdate and Email are all required fields inside of a “payer” object sent to the “Validate Funding Source” method.

Sample JSON

{
  "title": "Personal DirectDebit",
  "payer": {
    "first_name": "Jack",
    "last_name": "Smith",
    "birth_date": "1980-01-01",
    "email": joe@email.com,
    "address": {
      "address_line_1": "25 Buckingham Rd",
      "city": "Thorpe",
      "postcode": "YO25 2YH",
      "country": "United Kingdom"
    }
  }
}

If the validation is successful, a 200 response message will be returned.  If the validation is not successful a 400 response message along with some details about the reason for the validation failing will be included.