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> 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.

# Verify a mobile number

POST https://api.crisscross.money/v1/verification/mobile
Content-Type: application/json

**Deprecated — use [`POST /accounts/validate`](#operation/validateAccount) with `accountType: mobile_money` instead.**

Verifies a mobile number against the configured payment provider. This endpoint allows you to validate
mobile money account details before initiating payout transactions, helping reduce failed payouts and
providing account holder information when available.


Reference: https://docs.crisscross.money/api-reference/payouts/verification/verify-mobile-number

## Authentication

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

## Request

### Body (application/json)

This endpoint expects a VerifyMobileRequest.

- `phoneNumber` (string, required) — Mobile number to verify. Should include country code prefix (e.g., 254 for Kenya)
- `country` (enum, required) — 3-letter ISO country code (e.g., KEN for Kenya)
  - Allowed values: `KEN`
- `merchantId` (string, required) — Merchant ID for the verification request

## Response

### 200

Mobile number verification result

- `verified` (boolean, required) — Whether the mobile number was successfully verified with the provider
- `accountName` (string, optional) — Account holder name if available
- `status` (string, optional) — Verification status (e.g., ACTIVE)

## 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

**Request**

```json
{
  "phoneNumber": "254712345678",
  "country": "KEN",
  "merchantId": "your-merchant-id"
}
```

**Response**

```json
{
  "verified": true,
  "accountName": "Jane Smith",
  "status": "ACTIVE"
}
```

**SDK Code**

```python
import requests

url = "https://api.crisscross.money/v1/verification/mobile"

payload = {
    "phoneNumber": "254712345678",
    "country": "KEN",
    "merchantId": "your-merchant-id"
}
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/verification/mobile';
const options = {
  method: 'POST',
  headers: {Authorization: 'Bearer <token>', 'Content-Type': 'application/json'},
  body: '{"phoneNumber":"254712345678","country":"KEN","merchantId":"your-merchant-id"}'
};

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/verification/mobile"

	payload := strings.NewReader("{\n  \"phoneNumber\": \"254712345678\",\n  \"country\": \"KEN\",\n  \"merchantId\": \"your-merchant-id\"\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/verification/mobile")

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  \"phoneNumber\": \"254712345678\",\n  \"country\": \"KEN\",\n  \"merchantId\": \"your-merchant-id\"\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/verification/mobile")
  .header("Authorization", "Bearer <token>")
  .header("Content-Type", "application/json")
  .body("{\n  \"phoneNumber\": \"254712345678\",\n  \"country\": \"KEN\",\n  \"merchantId\": \"your-merchant-id\"\n}")
  .asString();
```

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

$client = new \GuzzleHttp\Client();

$response = $client->request('POST', 'https://api.crisscross.money/v1/verification/mobile', [
  'body' => '{
  "phoneNumber": "254712345678",
  "country": "KEN",
  "merchantId": "your-merchant-id"
}',
  'headers' => [
    'Authorization' => 'Bearer <token>',
    'Content-Type' => 'application/json',
  ],
]);

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

```csharp
using RestSharp;

var client = new RestClient("https://api.crisscross.money/v1/verification/mobile");
var request = new RestRequest(Method.POST);
request.AddHeader("Authorization", "Bearer <token>");
request.AddHeader("Content-Type", "application/json");
request.AddParameter("application/json", "{\n  \"phoneNumber\": \"254712345678\",\n  \"country\": \"KEN\",\n  \"merchantId\": \"your-merchant-id\"\n}", ParameterType.RequestBody);
IRestResponse response = client.Execute(request);
```

```swift
import Foundation

let headers = [
  "Authorization": "Bearer <token>",
  "Content-Type": "application/json"
]
let parameters = [
  "phoneNumber": "254712345678",
  "country": "KEN",
  "merchantId": "your-merchant-id"
] as [String : Any]

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

let request = NSMutableURLRequest(url: NSURL(string: "https://api.crisscross.money/v1/verification/mobile")! 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()
```