> For clean Markdown of any page, append .md to the page URL.
> For a complete documentation index, see https://docs.crisscross.money/llms.txt.
> For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://docs.crisscross.money/_mcp/server.

# Validate an account

POST https://api.crisscross.money/v1/accounts/validate
Content-Type: application/json

Validates a recipient account — a bank account or a mobile-money number — against the appropriate upstream provider for the requested `country` and `accountType`, before initiating a payout. This is the unified replacement for the deprecated `/verification/mobile` and `/verification/bank-account` endpoints.

The call resolves **synchronously** for cache hits and short-lived upstream lookups (≤2s). Longer-running validations return status `pending` together with an `id`; poll `GET /accounts/validate/{id}` until the status is terminal.

When `accountHolderName` is supplied, the response reports `name_mismatch` if the provider returns a different name.

Reference: https://docs.crisscross.money/api-reference/payouts/verification/validate-account

## Authentication

- `Authorization` header (bearer token, required) — OAuth 2.0 access token

## Request

### Body (application/json)

This endpoint expects a ValidateAccountRequest.

- `merchantId` (string, required) — Merchant ID issuing the validation request
- `country` (string, required) — 3-letter ISO country code identifying the market the account belongs to. Supported markets depend on `accountType`: - `bank_account` — ZAF (South Africa), NGA (Nigeria), EGY (Egypt), GHA (Ghana) and KEN (Kenya). - `mobile_money` — KEN (Kenya) and GHA (Ghana). - `institution_wallet` — ZWE (Zimbabwe).
- `accountType` (enum, required) — Kind of account being validated.
  - Allowed values: `mobile_money`, `bank_account`, `institution_wallet`
- `accountIdentifier` (string, required) — The account locator, interpreted according to `accountType`: - `bank_account` — the bank account number. For Egypt (EGY) supply the full IBAN instead (it encodes the bank, so `bankCode` is not needed). - `mobile_money` — the MSISDN (phone number, including country-code prefix). - `institution_wallet` — the wallet identifier.
- `bankCode` (string, optional) — Identifies the destination bank. **Required for `bank_account`** in every market except Egypt (EGY), where the IBAN in `accountIdentifier` carries the bank; ignored for `mobile_money` and `institution_wallet`. The format is market-specific: - **ZAF** — 6-digit universal (any-branch) bank code, e.g. `632005` (Absa), `051001` (Standard Bank), `250655` (FNB), `470010` (Capitec). See the [South Africa payout guide](/payout-market-south-africa#bank-codes-south-africa). - **NGA** — 3-digit (commercial bank) or 6-digit (OFI) CBN bank code. - **GHA** — 3-digit Bank of Ghana institution code. - **KEN** — the destination bank's code on the domestic rails.
- `accountHolderName` (string, optional) — When supplied, the response status will be name_mismatch if the provider returns a different name.

## Response

### 200

Validation result (resolved or pending)

- `id` (string, required) — Validation ID — use with GET /accounts/validate/\{id} to poll a pending validation.
- `status` (enum, required) — Validation outcome. `pending` means the upstream provider is still resolving; poll GET /accounts/validate/\{id} until terminal.
  - Allowed values: `pending`, `verified`, `not_found`, `name_mismatch`, `format_valid`, `format_invalid`, `not_available`, `error`
- `provider` (string, required) — Which connector produced the result (e.g. flutterwave, sandbox).
- `accountHolderName` (string, optional) — Name returned by the provider, populated for verified / name_mismatch.
- `validationType` (enum, optional) — Where the result came from — internal_rules = format check (e.g. NUBAN check digit), external = upstream provider lookup.
  - Allowed values: `internal_rules`, `external`
- `expiresAt` (datetime, optional) — ISO-8601 timestamp at which the cached result becomes stale.
- `failureReason` (string, optional) — Free-form provider reason; populated for not_found / name_mismatch / error.

## Errors

### 400 Bad Request Error

Bad Request - Invalid request parameters

- `message` (string, required) — Human-readable description of what went wrong.
- `error` (string, required) — Error category, typically the HTTP reason phrase (e.g. "Bad Request", "Unauthorized", "Conflict", "Unprocessable Entity", "Internal Server Error").
- `statusCode` (integer, required) — HTTP status code, mirroring the response header. The response header is the source of truth.

### 401 Unauthorized Error

Unauthorized - Invalid or missing authentication

- `message` (string, required) — Human-readable description of what went wrong.
- `error` (string, required) — Error category, typically the HTTP reason phrase (e.g. "Bad Request", "Unauthorized", "Conflict", "Unprocessable Entity", "Internal Server Error").
- `statusCode` (integer, required) — HTTP status code, mirroring the response header. The response header is the source of truth.

### 422 Unprocessable Entity Error

Request validation failed

- `message` (string, required) — Human-readable description of what went wrong.
- `error` (string, required) — Error category, typically the HTTP reason phrase (e.g. "Bad Request", "Unauthorized", "Conflict", "Unprocessable Entity", "Internal Server Error").
- `statusCode` (integer, required) — HTTP status code, mirroring the response header. The response header is the source of truth.

### 500 Internal Server Error

Internal server error

- `message` (string, required) — Human-readable description of what went wrong.
- `error` (string, required) — Error category, typically the HTTP reason phrase (e.g. "Bad Request", "Unauthorized", "Conflict", "Unprocessable Entity", "Internal Server Error").
- `statusCode` (integer, required) — HTTP status code, mirroring the response header. The response header is the source of truth.

## Examples

### Bank account (Nigeria)

**Request**

```json
{
  "merchantId": "123e4567-e89b-12d3-a456-426614174000",
  "country": "NGA",
  "accountType": "bank_account",
  "accountIdentifier": "0123456789",
  "bankCode": "058",
  "accountHolderName": "Jane Doe"
}
```

**Response**

```json
{
  "id": "018f4a1b-2c3d-7e4f-8a9b-0c1d2e3f4a5b",
  "status": "verified",
  "provider": "sandbox",
  "accountHolderName": "Jane Doe",
  "validationType": "internal_rules",
  "expiresAt": "2024-01-15T09:30:00Z",
  "failureReason": "string"
}
```

**SDK Code**

```python Bank account (Nigeria)
import requests

url = "https://api.crisscross.money/v1/accounts/validate"

payload = {
    "merchantId": "123e4567-e89b-12d3-a456-426614174000",
    "country": "NGA",
    "accountType": "bank_account",
    "accountIdentifier": "0123456789",
    "bankCode": "058",
    "accountHolderName": "Jane Doe"
}
headers = {
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.json())
```

```javascript Bank account (Nigeria)
const url = 'https://api.crisscross.money/v1/accounts/validate';
const options = {
  method: 'POST',
  headers: {Authorization: 'Bearer <token>', 'Content-Type': 'application/json'},
  body: '{"merchantId":"123e4567-e89b-12d3-a456-426614174000","country":"NGA","accountType":"bank_account","accountIdentifier":"0123456789","bankCode":"058","accountHolderName":"Jane Doe"}'
};

try {
  const response = await fetch(url, options);
  const data = await response.json();
  console.log(data);
} catch (error) {
  console.error(error);
}
```

```go Bank account (Nigeria)
package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://api.crisscross.money/v1/accounts/validate"

	payload := strings.NewReader("{\n  \"merchantId\": \"123e4567-e89b-12d3-a456-426614174000\",\n  \"country\": \"NGA\",\n  \"accountType\": \"bank_account\",\n  \"accountIdentifier\": \"0123456789\",\n  \"bankCode\": \"058\",\n  \"accountHolderName\": \"Jane Doe\"\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("Authorization", "Bearer <token>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(res)
	fmt.Println(string(body))

}
```

```ruby Bank account (Nigeria)
require 'uri'
require 'net/http'

url = URI("https://api.crisscross.money/v1/accounts/validate")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"merchantId\": \"123e4567-e89b-12d3-a456-426614174000\",\n  \"country\": \"NGA\",\n  \"accountType\": \"bank_account\",\n  \"accountIdentifier\": \"0123456789\",\n  \"bankCode\": \"058\",\n  \"accountHolderName\": \"Jane Doe\"\n}"

response = http.request(request)
puts response.read_body
```

```java Bank account (Nigeria)
import com.mashape.unirest.http.HttpResponse;
import com.mashape.unirest.http.Unirest;

HttpResponse<String> response = Unirest.post("https://api.crisscross.money/v1/accounts/validate")
  .header("Authorization", "Bearer <token>")
  .header("Content-Type", "application/json")
  .body("{\n  \"merchantId\": \"123e4567-e89b-12d3-a456-426614174000\",\n  \"country\": \"NGA\",\n  \"accountType\": \"bank_account\",\n  \"accountIdentifier\": \"0123456789\",\n  \"bankCode\": \"058\",\n  \"accountHolderName\": \"Jane Doe\"\n}")
  .asString();
```

```php Bank account (Nigeria)
<?php
require_once('vendor/autoload.php');

$client = new \GuzzleHttp\Client();

$response = $client->request('POST', 'https://api.crisscross.money/v1/accounts/validate', [
  'body' => '{
  "merchantId": "123e4567-e89b-12d3-a456-426614174000",
  "country": "NGA",
  "accountType": "bank_account",
  "accountIdentifier": "0123456789",
  "bankCode": "058",
  "accountHolderName": "Jane Doe"
}',
  'headers' => [
    'Authorization' => 'Bearer <token>',
    'Content-Type' => 'application/json',
  ],
]);

echo $response->getBody();
```

```csharp Bank account (Nigeria)
using RestSharp;

var client = new RestClient("https://api.crisscross.money/v1/accounts/validate");
var request = new RestRequest(Method.POST);
request.AddHeader("Authorization", "Bearer <token>");
request.AddHeader("Content-Type", "application/json");
request.AddParameter("application/json", "{\n  \"merchantId\": \"123e4567-e89b-12d3-a456-426614174000\",\n  \"country\": \"NGA\",\n  \"accountType\": \"bank_account\",\n  \"accountIdentifier\": \"0123456789\",\n  \"bankCode\": \"058\",\n  \"accountHolderName\": \"Jane Doe\"\n}", ParameterType.RequestBody);
IRestResponse response = client.Execute(request);
```

```swift Bank account (Nigeria)
import Foundation

let headers = [
  "Authorization": "Bearer <token>",
  "Content-Type": "application/json"
]
let parameters = [
  "merchantId": "123e4567-e89b-12d3-a456-426614174000",
  "country": "NGA",
  "accountType": "bank_account",
  "accountIdentifier": "0123456789",
  "bankCode": "058",
  "accountHolderName": "Jane Doe"
] as [String : Any]

let postData = JSONSerialization.data(withJSONObject: parameters, options: [])

let request = NSMutableURLRequest(url: NSURL(string: "https://api.crisscross.money/v1/accounts/validate")! as URL,
                                        cachePolicy: .useProtocolCachePolicy,
                                    timeoutInterval: 10.0)
request.httpMethod = "POST"
request.allHTTPHeaderFields = headers
request.httpBody = postData as Data

let session = URLSession.shared
let dataTask = session.dataTask(with: request as URLRequest, completionHandler: { (data, response, error) -> Void in
  if (error != nil) {
    print(error as Any)
  } else {
    let httpResponse = response as? HTTPURLResponse
    print(httpResponse)
  }
})

dataTask.resume()
```

### Mobile-money number (Kenya)

**Request**

```json
{
  "merchantId": "123e4567-e89b-12d3-a456-426614174000",
  "country": "KEN",
  "accountType": "mobile_money",
  "accountIdentifier": "254712345678",
  "accountHolderName": "Jane Doe"
}
```

**Response**

```json
{
  "id": "018f4a1b-2c3d-7e4f-8a9b-0c1d2e3f4a5b",
  "status": "verified",
  "provider": "sandbox",
  "accountHolderName": "Jane Doe",
  "validationType": "internal_rules",
  "expiresAt": "2024-01-15T09:30:00Z",
  "failureReason": "string"
}
```

**SDK Code**

```python Mobile-money number (Kenya)
import requests

url = "https://api.crisscross.money/v1/accounts/validate"

payload = {
    "merchantId": "123e4567-e89b-12d3-a456-426614174000",
    "country": "KEN",
    "accountType": "mobile_money",
    "accountIdentifier": "254712345678",
    "accountHolderName": "Jane Doe"
}
headers = {
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.json())
```

```javascript Mobile-money number (Kenya)
const url = 'https://api.crisscross.money/v1/accounts/validate';
const options = {
  method: 'POST',
  headers: {Authorization: 'Bearer <token>', 'Content-Type': 'application/json'},
  body: '{"merchantId":"123e4567-e89b-12d3-a456-426614174000","country":"KEN","accountType":"mobile_money","accountIdentifier":"254712345678","accountHolderName":"Jane Doe"}'
};

try {
  const response = await fetch(url, options);
  const data = await response.json();
  console.log(data);
} catch (error) {
  console.error(error);
}
```

```go Mobile-money number (Kenya)
package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://api.crisscross.money/v1/accounts/validate"

	payload := strings.NewReader("{\n  \"merchantId\": \"123e4567-e89b-12d3-a456-426614174000\",\n  \"country\": \"KEN\",\n  \"accountType\": \"mobile_money\",\n  \"accountIdentifier\": \"254712345678\",\n  \"accountHolderName\": \"Jane Doe\"\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("Authorization", "Bearer <token>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(res)
	fmt.Println(string(body))

}
```

```ruby Mobile-money number (Kenya)
require 'uri'
require 'net/http'

url = URI("https://api.crisscross.money/v1/accounts/validate")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"merchantId\": \"123e4567-e89b-12d3-a456-426614174000\",\n  \"country\": \"KEN\",\n  \"accountType\": \"mobile_money\",\n  \"accountIdentifier\": \"254712345678\",\n  \"accountHolderName\": \"Jane Doe\"\n}"

response = http.request(request)
puts response.read_body
```

```java Mobile-money number (Kenya)
import com.mashape.unirest.http.HttpResponse;
import com.mashape.unirest.http.Unirest;

HttpResponse<String> response = Unirest.post("https://api.crisscross.money/v1/accounts/validate")
  .header("Authorization", "Bearer <token>")
  .header("Content-Type", "application/json")
  .body("{\n  \"merchantId\": \"123e4567-e89b-12d3-a456-426614174000\",\n  \"country\": \"KEN\",\n  \"accountType\": \"mobile_money\",\n  \"accountIdentifier\": \"254712345678\",\n  \"accountHolderName\": \"Jane Doe\"\n}")
  .asString();
```

```php Mobile-money number (Kenya)
<?php
require_once('vendor/autoload.php');

$client = new \GuzzleHttp\Client();

$response = $client->request('POST', 'https://api.crisscross.money/v1/accounts/validate', [
  'body' => '{
  "merchantId": "123e4567-e89b-12d3-a456-426614174000",
  "country": "KEN",
  "accountType": "mobile_money",
  "accountIdentifier": "254712345678",
  "accountHolderName": "Jane Doe"
}',
  'headers' => [
    'Authorization' => 'Bearer <token>',
    'Content-Type' => 'application/json',
  ],
]);

echo $response->getBody();
```

```csharp Mobile-money number (Kenya)
using RestSharp;

var client = new RestClient("https://api.crisscross.money/v1/accounts/validate");
var request = new RestRequest(Method.POST);
request.AddHeader("Authorization", "Bearer <token>");
request.AddHeader("Content-Type", "application/json");
request.AddParameter("application/json", "{\n  \"merchantId\": \"123e4567-e89b-12d3-a456-426614174000\",\n  \"country\": \"KEN\",\n  \"accountType\": \"mobile_money\",\n  \"accountIdentifier\": \"254712345678\",\n  \"accountHolderName\": \"Jane Doe\"\n}", ParameterType.RequestBody);
IRestResponse response = client.Execute(request);
```

```swift Mobile-money number (Kenya)
import Foundation

let headers = [
  "Authorization": "Bearer <token>",
  "Content-Type": "application/json"
]
let parameters = [
  "merchantId": "123e4567-e89b-12d3-a456-426614174000",
  "country": "KEN",
  "accountType": "mobile_money",
  "accountIdentifier": "254712345678",
  "accountHolderName": "Jane Doe"
] as [String : Any]

let postData = JSONSerialization.data(withJSONObject: parameters, options: [])

let request = NSMutableURLRequest(url: NSURL(string: "https://api.crisscross.money/v1/accounts/validate")! as URL,
                                        cachePolicy: .useProtocolCachePolicy,
                                    timeoutInterval: 10.0)
request.httpMethod = "POST"
request.allHTTPHeaderFields = headers
request.httpBody = postData as Data

let session = URLSession.shared
let dataTask = session.dataTask(with: request as URLRequest, completionHandler: { (data, response, error) -> Void in
  if (error != nil) {
    print(error as Any)
  } else {
    let httpResponse = response as? HTTPURLResponse
    print(httpResponse)
  }
})

dataTask.resume()
```

### Example 3

**Request**

```json
{
  "merchantId": "123e4567-e89b-12d3-a456-426614174000",
  "country": "ZAF",
  "accountType": "bank_account",
  "accountIdentifier": "1234567890",
  "bankCode": "632005",
  "accountHolderName": "Jane Doe"
}
```

**Response**

```json
{
  "id": "018f4a1b-2c3d-7e4f-8a9b-0c1d2e3f4a5b",
  "status": "verified",
  "provider": "sandbox",
  "accountHolderName": "Jane Doe",
  "validationType": "internal_rules",
  "expiresAt": "2024-01-15T09:30:00Z",
  "failureReason": "string"
}
```

**SDK Code**

```python
import requests

url = "https://api.crisscross.money/v1/accounts/validate"

payload = {
    "merchantId": "123e4567-e89b-12d3-a456-426614174000",
    "country": "ZAF",
    "accountType": "bank_account",
    "accountIdentifier": "1234567890",
    "bankCode": "632005",
    "accountHolderName": "Jane Doe"
}
headers = {
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.json())
```

```javascript
const url = 'https://api.crisscross.money/v1/accounts/validate';
const options = {
  method: 'POST',
  headers: {Authorization: 'Bearer <token>', 'Content-Type': 'application/json'},
  body: '{"merchantId":"123e4567-e89b-12d3-a456-426614174000","country":"ZAF","accountType":"bank_account","accountIdentifier":"1234567890","bankCode":"632005","accountHolderName":"Jane Doe"}'
};

try {
  const response = await fetch(url, options);
  const data = await response.json();
  console.log(data);
} catch (error) {
  console.error(error);
}
```

```go
package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://api.crisscross.money/v1/accounts/validate"

	payload := strings.NewReader("{\n  \"merchantId\": \"123e4567-e89b-12d3-a456-426614174000\",\n  \"country\": \"ZAF\",\n  \"accountType\": \"bank_account\",\n  \"accountIdentifier\": \"1234567890\",\n  \"bankCode\": \"632005\",\n  \"accountHolderName\": \"Jane Doe\"\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("Authorization", "Bearer <token>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(res)
	fmt.Println(string(body))

}
```

```ruby
require 'uri'
require 'net/http'

url = URI("https://api.crisscross.money/v1/accounts/validate")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"merchantId\": \"123e4567-e89b-12d3-a456-426614174000\",\n  \"country\": \"ZAF\",\n  \"accountType\": \"bank_account\",\n  \"accountIdentifier\": \"1234567890\",\n  \"bankCode\": \"632005\",\n  \"accountHolderName\": \"Jane Doe\"\n}"

response = http.request(request)
puts response.read_body
```

```java
import com.mashape.unirest.http.HttpResponse;
import com.mashape.unirest.http.Unirest;

HttpResponse<String> response = Unirest.post("https://api.crisscross.money/v1/accounts/validate")
  .header("Authorization", "Bearer <token>")
  .header("Content-Type", "application/json")
  .body("{\n  \"merchantId\": \"123e4567-e89b-12d3-a456-426614174000\",\n  \"country\": \"ZAF\",\n  \"accountType\": \"bank_account\",\n  \"accountIdentifier\": \"1234567890\",\n  \"bankCode\": \"632005\",\n  \"accountHolderName\": \"Jane Doe\"\n}")
  .asString();
```

```php
<?php
require_once('vendor/autoload.php');

$client = new \GuzzleHttp\Client();

$response = $client->request('POST', 'https://api.crisscross.money/v1/accounts/validate', [
  'body' => '{
  "merchantId": "123e4567-e89b-12d3-a456-426614174000",
  "country": "ZAF",
  "accountType": "bank_account",
  "accountIdentifier": "1234567890",
  "bankCode": "632005",
  "accountHolderName": "Jane Doe"
}',
  'headers' => [
    'Authorization' => 'Bearer <token>',
    'Content-Type' => 'application/json',
  ],
]);

echo $response->getBody();
```

```csharp
using RestSharp;

var client = new RestClient("https://api.crisscross.money/v1/accounts/validate");
var request = new RestRequest(Method.POST);
request.AddHeader("Authorization", "Bearer <token>");
request.AddHeader("Content-Type", "application/json");
request.AddParameter("application/json", "{\n  \"merchantId\": \"123e4567-e89b-12d3-a456-426614174000\",\n  \"country\": \"ZAF\",\n  \"accountType\": \"bank_account\",\n  \"accountIdentifier\": \"1234567890\",\n  \"bankCode\": \"632005\",\n  \"accountHolderName\": \"Jane Doe\"\n}", ParameterType.RequestBody);
IRestResponse response = client.Execute(request);
```

```swift
import Foundation

let headers = [
  "Authorization": "Bearer <token>",
  "Content-Type": "application/json"
]
let parameters = [
  "merchantId": "123e4567-e89b-12d3-a456-426614174000",
  "country": "ZAF",
  "accountType": "bank_account",
  "accountIdentifier": "1234567890",
  "bankCode": "632005",
  "accountHolderName": "Jane Doe"
] as [String : Any]

let postData = JSONSerialization.data(withJSONObject: parameters, options: [])

let request = NSMutableURLRequest(url: NSURL(string: "https://api.crisscross.money/v1/accounts/validate")! as URL,
                                        cachePolicy: .useProtocolCachePolicy,
                                    timeoutInterval: 10.0)
request.httpMethod = "POST"
request.allHTTPHeaderFields = headers
request.httpBody = postData as Data

let session = URLSession.shared
let dataTask = session.dataTask(with: request as URLRequest, completionHandler: { (data, response, error) -> Void in
  if (error != nil) {
    print(error as Any)
  } else {
    let httpResponse = response as? HTTPURLResponse
    print(httpResponse)
  }
})

dataTask.resume()
```