Bank Account Verification

Learn how to resolve customer’s account details for Nigerian Banks only.

It’s important to verify users’ credentials before initiating payments or giving value. Flutterwave gives you the ability to verify bank account numbers through our resolve account details endpoint —you give us your customer’s account number and bank, and we’ll return the account name.

Here’s an example with our SDKs:

Node.js

// Install with: npm i flutterwave-node-v3

const Flutterwave = require('flutterwave-node-v3');
const flw = new Flutterwave(process.env.FLW_PUBLIC_KEY, process.env.FLW_SECRET_KEY);
const details = {
  account_number: "0690000032",
  account_bank: "044"
};
flw.Misc.verify_Account(details)
  .then(response => console.log(response));

If the account is valid, you’ll receive a response with a status of "success", and the account details within the data key:

{
    "status": "success",
    "message": "Account details fetched",
    "data": {
      "account_number": "0690000032",
      "account_name": "Pastor Bright"
    }
}

If the account number is invalid, you’ll get an error response:

{
  "status": "error",
  "message": "Sorry, that account number is invalid, please check and try again",
  "data": null
}

Resolving Flutterwave Merchant IDs

You can also use the account resolution endpoint with Flutterwave merchant IDs. This is helpful for verifying wallet details before starting a wallet-to-wallet transfer. To do this, use flutterwave as the account_code, and the merchant ID as the account_number.

The merchant ID is displayed on the merchant dashboard below the business name at the top left.

Sample request will look like this:

Sample Request

{
    "account_number": "7981223",
    "account_bank": "flutterwave"
}

Response will look like this:

Sample Response

{
  "status": "success",
  "message": "Account details fetched",
  "data": {
    "account_number": "7981223",
    "account_name": "Flutterwave Developer Account"
  }
}