7. Validate a Payee bank account

Validation of an external bank Payee is optional and not required before attempting to use the Payee in a payment transaction.  Validating a UK personal Payee bank account before attempting a transaction can result in a lower number of failed transactions and validates that the details provided match those at the UK bank

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

Validating a Payee before attempting a transaction can result in a lower number of failed transactions (or something here about the benefits of performing the validation).  The following fields are required for validating a Payee:

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

Sample JSON

{
  "title": "Personal DirectDebit",
  "recipient ": {
    "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.