Accept

application/json

Content-Type

application/json

X-AUTH-TOKEN

{Provided by POST /login Endpoint and used with POST & GET /cvapi.}

username

Username of user who has API capabilities within the CheckVerification.com portal.

password

Password of user who has API capabilities within the CheckVerification.com portal.

• licenseNumber

License Number found within the Check Verification portal which corresponds to the verification service the organization will be using in the submission process.

Allows for only valid license numbers. The field is numeric only.

• *companyName

Company Name of bank account owner. Used if firstName/lastName fields are not applicable.

The field allows for alhpanumeric characters as well as symbols. The field limit is 50.

• *firstName

First name of bank account owner. Used if companyName field is not applicable.

The field allows for alpha characters as well as symbols. The field limit is 20 characters.

• *lastName

Last name of bank account owner. Used if companyName field is not applicable.

The field allows for alpha characters as well as symbols. The field limit is 30 characters.

• address1

Address of bank account owner.

The field allows for alphanumeric characters as well as symbols. The field limit is 50.

• city

City of bank account owner.

The field allows for alphanumeric characters as well as symbols. The field limit is 50.

• state

State of bank account owner.

The field requires a valid two letter state abbreviation. The field requirement is 2.

• zip

Zip of bank account owner.

The field requires a valid five digit zip code. The field requirement is 5.

• amount

Amount of transaction which will be verified. Organizations requiring bank account validity, check writing history, or routing number validation can use "1.00".

The field requires a minimum of 1 digit prior to the decimal point and 2 digits after the decimal point.

• accountNumber

Bank account number provided by user or organization.

The field is numeric only. The field requires a minimum of 4 digits and has a limit of 20.

• routingNumber

Bank routing number provided by user or organization.

The field is numeric only. The field requires a valid 9 digit routing number.

checkNumber

Bank check number provided by user or organization.

The field requires a minimum of 3 digits. If a check number is not available, please leave it blank.

• orderId

Unique internal order ID which can be used to reference the submission.

The field allows for alphanumeric characters as well as symbols. The orderId field has a limit of 20.

id

Unique ID provided on submission of successful verification Request.

createdAt

Date and time transaction was successfully received (YYYY-MM-DD HH:MM:SS).

atmNcnResult (also used with Early Warning/Forewarn)

Result of the ATM/NCN Verification Service Request.

1 = Account Valid
2 = Account Invalid
3 = Not Utilized
4 = Surpassed Volume
5 = Pending Live Result
6 = Pending Result
7 = Cannot Verify
8 = Invalid RT Number

atmNcnCode (also used with Early Warning/Forewarn)

See "ATM/NCN and Early Warning Codes" Section.

atmNcnDescription (also used with Early Warning/ForeWarn)

See "ATM/NCN and Early Warning Codes" Section.

liveVerifyResult

Result of the Live Verification Service Request.

0 = Pending Verification (or Not Utilized if not using the Live Verify License)
1 = Verification Completed Successfully
2 = Bank Not in Network
3 = Could Not Verify
4 = Amount of Transaction Exceeds Banks Limit

liveVerifyCode

Bank Account status of the Live Verification Service Request.

0 = Pending Verification (or Not Utilized if not using the Live Verify License)
1 = Sufficient Funds
2 = Account Valid
3 = Account Invalid
4 = Insufficient Funds
5 = Cannot Verify
9 = Client Submissions Exceeded Limit
10 = Pending ATM Result
11 = Amount of Transaction Exceeds Banks Limit
14 = Bank Not In Network

Legacy ID's
6 = Not Utilized
7 = Pending Verification
8 = Failed Verification
15 = Pending Manual Verification
16 = Invalid Routing Number

subResult

When provided by institution, Sub-Result of the Live Verification Service Request.

1 = Account Frozen
2 = Account Blocked
3 = Account Closed
4 = Name Does Not Match
5 = Incorrect Account Number
6 = Address Incorrect
7 = Bank Does Not Verify

routingResult

Result of the ATM/NCN Verification Service Request.

1 = Routing Valid
2 = Routing Invalid
3 = Not Utilized

id

Transaction/Verification ID returned when submitting the item to the POST /cvapi endpoint.

The field is numeric only.

P70

VALIDATED

The provider has determined that the account is open and valid.

P80

VENDOR BUSY (Timeout)

The provider is not available at the time of submission. (i.e. providers platform is down)

P41

NEGATIVE

The provider has determined that the account is invalid or cannot be used for electronic debit.

P73

MEDIUM RISK APPROVAL

The provider has determined that the account is open and valid but may not allow debits.

BRN

BAD ROUTING NUMBER

The routing number provided is not a valid routing number.

P00

ACCT NOT LOCATED

The provider could not find that account number provided.

P70

VALIDATED

The provider has determined that the account provided is not in poor standing or is in good standing.

P80

VENDOR BUSY (Timeout)

The provider is not available at the time of submission. (i.e. providers platform is down)

P92

PREAUTH SERVER UNAVAILABLE (Timeout)

The provider is not available at the time of submission. (i.e. providers platform is down)

P15

HIGH RISK ACCOUNT

The routing number provided is not a valid routing number or the account is currently not in good standing.

P41

NEGATIVE

The provider has determined that the account is invalid.

P71

LOW RISK APPROVAL

The provider has determined that the account is valid and in good standing.

P73

MEDIUM RISK APPROVAL

The provider has determined that the account is valid but may pose a risk when a debit is attempted.

U02

ACCOUNT NOT APPROVED IN BLACK LIST

The account provided is blacklisted by the provider (reason unknown).

BRN

BAD ROUTING NUMBER

The routing number provided is not a valid routing number.

UNK

COULD NOT VERIFY

The provider could not provide any specific information for the account number submitted.

U84

AUTH TIMEOUT

The provider is not available at the time of submission. (i.e. providers platform is down)

U85

ACCT NUM LEN ERR

The provider has determined that the length of the account number provided does not match the expected length for the corresponding financial institution.

100000070

"P70 "

1

Validated

100000080

"P80"

2

Vendor Busy

100000041

"P41"

2

Negative

100000073

"P73"

1

Medium Risk

100000000

"P00"

2

Account Not Located

100000092

"P92"

2

Preauth Server Unavailable

100000015

"P15"

2

High Risk

100000071

"P71"

1

Low Risk

100000002

"U02"

2

Account Not Approved in Blacklist

100000084

"U84"

2

Auth Timeout

100000085

"U85"

2

Account Number Length Error

100000100

"UNK"

2

Could Not Verify

200000000

0

0

Pending

200000001

1

1

Sufficient

200000002

1

2

Valid

200000003

1

3

Invalid

200000004

1

4

Insufficient

200000005

3

0

Cannot Verify

200000009

3

0

Client Submissions Exceeded Limit

2000000011

4

0

Amount of Transaction Exceeds Banks Limit

2000000014

2

0

Bank Not in Network