> ## Documentation Index > Fetch the complete documentation index at: https://razorpay-60c89f9a-mintlify-audit-missing-sections-1778528421.mintlify.site/llms.txt > Use this file to discover all available pages before exploring further. # Validate Bank Account (VPA) via Reverse Penny Drop > **POST** `/v1/fund_accounts/validations` Use this endpoint to validate the bank account details via Reverse Penny Drop. **Watch Out!** This API is not supported in test mode. Ensure you switch to live mode before proceeding. ### Request ```curl: Curl theme={null} curl -u [YOUR_KEY]:[YOUR_SECRET] \ -X POST https://api.razorpay.com/v1/fund_accounts/validations \ -H "Content-Type: application/json" \ -d '{ "source_account_number": "7878780080316316", "validation_type": "upi_intent", "reference_id": "112233", "notes": { "random_key_1": "Make it so", "random_key_2": "Tea. Earl Grey. Hot." } }' ``` ### Response ````json: Response - Initial theme={null} { "id": "fav_00000000000001", "entity": "fund_account.validation", "status": "created", "utr": "123456789012", "upi_intent": { "intent_url": "upi://pay?pa=razorpayx@citibank&pn=RZPX%20PRIVATE%20LTD&mc=7413&cu=INR&am=1.00&tn=BAV&ver=01&mode=04&qrMedium=02&tr=RjY7anDJFuKQOB", "phonepe_url": "phonepe://upi/pay?pa=razorpayx@citibank&pn=RZPX%20PRIVATE%20LTD&mc=7413&cu=INR&am=1.00&tn=BAV&ver=01&mode=04&qrMedium=02&tr=RjY7anDJFuKQOB", "gpay_url": "tez://upi/pay?pa=razorpayx@citibank&pn=RZPX%20PRIVATE%20LTD&mc=7413&cu=INR&am=1.00&tn=BAV&ver=01&mode=04&qrMedium=02&tr=RjY7anDJFuKQOB", "paytm_url": "paytmmp://upi/pay?pa=razorpayx@citibank&pn=RZPX%20PRIVATE%20LTD&mc=7413&cu=INR&am=1.00&tn=BAV&ver=01&mode=04&qrMedium=02&tr=RjY7anDJFuKQOB", "bhim_url": "bhim://upi/pay?pa=razorpayx@citibank&pn=RZPX%20PRIVATE%20LTD&mc=7413&cu=INR&am=1.00&tn=BAV&ver=01&mode=04&qrMedium=02&tr=RjY7anDJFuKQOB", "encoded_qr_code": "iVBORw0KGgoAAAANSUhEUgAAAQAAAAEAAQMAAABmvDolAAAABlBMVEX///8AAABVwtN+AAACWUlEQVR42uyYy3E7LRDEe4sDR0IglM1sH+" }, "validation_results": { "account_status": null, "registered_name": null, "details": null, "name_match_score": null, "validated_account_type": null, "bank_account": { "bank_routing_code": null, "account_number": null, "bank_name": null, "account_type": null } }, "status_details": { "description": "Validation request is created", "source": "internal", "reason": "validation_request_created" }, "reference_id": "112233", "notes": { "random_key_1": "Make it so.", "random_key_2": "Tea. Earl Grey. Hot." } } ```json: Response - After Payment { "id": "fav_00000000000001", "entity": "fund_account.validation", "status": "completed", "utr": "123456789012", "validation_results": { "account_status": "active", "registered_name": "GAURAV KUMAR", "validated_account_type": "Bank_Account", "name_match_score": "00", "bank_account": { "bank_routing_code": "HDFC0000053", "account_number": "765432123456789", "bank_name": "HDFC Bank", "account_type": "SAVINGS" }, "upi_intent": { "vpa": "example@upi" } } } ```` ### Parameters `source_account_number` *mandatory* : `string` Bank account number being validated. For example, `765432123456789`. `validation_type` *mandatory* : `string` The method used for validating the bank account. Here, it is `upi_intent`. `reference_id` *optional* : `string` Unique reference id of the fund account being validated. `notes` *optional* : `object` Key-value pair that can be used to store additional information about the entity. Maximum 15 key-value pairs, 256 characters (maximum) each. ### Parameters `id` : `string` The unique identifier linked to the fund account. For example, `fa_00000000000001`. `entity` : `string` Here it will be `fund_account.validation`. `status` : `string` The status of the fund account validation. For example, in the initial response, it could be `created` and in the after payment response, `completed`. `utr` : `string` The Unique Transaction Reference number assigned to the ₹1 UPI payment made by the end user. Use this to track or reconcile the transaction. `upi_intent` : `object` Contains deep links to launch specific UPI apps directly on the user's device, allowing them to complete the ₹1 payment without manually entering details. `intent_url` : `string` A generic UPI deep link that opens the user's default or available UPI app to initiate the payment. `phonepe_url` : `string` A deep link that launches the PhonePe app directly to complete the payment. `gpay_url` : `string` A deep link that launches Google Pay directly to complete the payment. `paytm_url` : `string` A deep link that launches the Paytm app directly to complete the payment. `bhim_url` : `string` A deep link that launches the BHIM app directly to complete the payment. `encoded_qr_code` : `string` A Base64-encoded QR code image. Display this on your interface so users can scan it using any UPI app to complete the ₹1 payment. `validation_results` : `object` Contains the verified account details extracted from the payer's bank after the ₹1 payment is received. `account_status` : `string` Indicates whether the bank account is active and valid. Possible values: `active`, `inactive`. `registered_name` : `string` The account holder's full name as registered with their bank. `validated_account_type` : `string` The type of account validated during the transaction. Possible values: `bank_account`, `vpa`. `name_match_score` : `integer` A numeric score indicating how closely the account holder's registered name matches the name provided during the request. `bank_account` : `object` Contains the verified bank account details of the payer. `bank_routing_code` : `string` The IFSC code of the payer's bank branch, used to identify and route transactions to the correct bank. `account_number` : `string` The payer's bank account number, as retrieved from the bank. `bank_name` : `string` The name of the payer's bank. `account_type` : `string` The type of bank account held by the payer. Possible values: `Savings`, `Current`. `status_details` : `object` Contains details about the status of the validation. `description` : `string` A short note about the validation status. `source` : `string` The source from which the validation was done. `reason` : `string` Reason for the validation. `reference_id` : `string` Unique reference id generated for the validation. `notes` : `object` Key-value pair that can be used to store additional information about the entity. Maximum 15 key-value pairs, 256 characters (maximum) each.