Indonesia

Request

The Account Verification API checks whether a bank account or e-wallet account is valid and returns the account holder name. This page covers Indonesia (country code id).

• Synchronous: the final result is returned in a single response; there is no async callback.
• Production only: use the production domain and merchant number.
• Unique order number: duplicate mchNo + orderNum returns an error; verification is not retried.
• Signature: same rules as Pay-Out create; see Signature.

Endpoint

Domain: Prefer unified host openapi.toppayment.com (path unchanged); legacy country domain (e.g. global-id-openapi.toppayment.com) remains available.

URL
https://openapi.toppayment.com/id/disbursement/bankVerify

bankCode / bankName are the same as Pay-Out · see Regional Payment Guide — Indonesia — Disbursement bank codes.

Request Headers

Field	Required	Type	Description
Content-Type	M	String	Fixed: application/json

Request Body

Field	Required	Type	Description
mchNo	M	String(32)	Merchant number
orderNum	M	String(64)	Merchant order number — must be unique
bankCode	M	String(32)	Bank / e-wallet product code — same as Pay-Out
bankCard	M	String(64)	Bank account or e-wallet account number
timestamp	M	String(13 digits)	Millisecond timestamp
sign	M	String	RSA signature — see Signature
countryCode	O	String(16)	Country code

Request Examples

Content-Type: application/json

{
    "mchNo": "{{mchNo}}",
    "orderNum": "VERIFY202606150001",
    "bankCode": "014",
    "bankCard": "1234567890",
    "timestamp": "1717300000000",
    "sign": "Generate per signature rules and replace"
}

{
    "mchNo": "{{mchNo}}",
    "orderNum": "VERIFY202606150002",
    "bankCode": "10001",
    "bankCard": "081234567890",
    "timestamp": "1717300000000",
    "sign": "Generate per signature rules and replace"
}

Response

HTTP Response

Field	Required	Type	Description
Content-Type	M	String	Fixed: application/json

Response Body

Field	Required	Type	Description
success	M	Boolean	Whether the request was accepted
code	M	String	9999 = success; others — see Exception codes
msg	O	String	English message
timeStamp	M	Number	Response timestamp (ms)
data	O	Object	Business payload; may be null on failure
orderNum	M	String	Merchant order number
platOrderNum	M	String	Platform order number
accountName	O	String	Account name when verification succeeds (not masked)
status	M	Integer	Order status — see table below
verifyResult	O	Integer	Verification result — see table below

status (order status)

Value	Meaning
0	Processing
1	Processed successfully
2	Processing failed
3	Request failed

verifyResult (verification result)

Value	Meaning	When status is
1	Account verification succeeded	1
2	Account verification failed (invalid account, name mismatch, etc.)	1
3	Request failed	3

{
    "success": true,
    "code": "9999",
    "msg": null,
    "timeStamp": 1717300000123,
    "data": {
        "orderNum": "VERIFY202606150001",
        "platOrderNum": "V20260615XXXX",
        "accountName": "JOHN DOE",
        "status": 1,
        "verifyResult": 1
    }
}

{
    "success": true,
    "code": "9999",
    "timeStamp": 1717300000456,
    "data": {
        "orderNum": "VERIFY202606150001",
        "platOrderNum": "V20260615XXXX",
        "accountName": null,
        "status": 1,
        "verifyResult": 2
    }
}

{
    "success": true,
    "code": "9999",
    "timeStamp": 1717300000789,
    "data": {
        "orderNum": "VERIFY202606150001",
        "platOrderNum": "V20260615XXXX",
        "accountName": null,
        "status": 3,
        "verifyResult": 3
    }
}

{
    "success": false,
    "code": "0003",
    "msg": "mch no channel available!",
    "timeStamp": 1717300000789,
    "data": null
}