The Account Verification object

An account verification confirms that a counterparty bank account exists and belongs to the expected holder. Fintoc issues a verification transfer from one of your accounts to the counterparty account, then reports the outcome through the verification’s status. Use an account verification to validate a counterparty account, such as a standardized Mexican bank account number (CLABE), before you pay out to it.

Account verification object

{
  "id": "accv_2daFu0zqqDtZGJaSi2TGI2Mm1nN",
  "object": "account_verification",
  "counterparty": {
    "account_number": "000000000000000000",
    "account_type": "clabe",
    "holder_id": "000000000",
    "holder_name": "Test Customer 1",
    "institution": {
      "id": "40012",
      "country": "mx",
      "name": "BBVA Mexico"
    }
  },
  "mode": "test",
  "reason": null,
  "receipt_url": "https://www.banxico.org.mx/cep/",
  "status": "succeeded",
  "transaction_date": "2026-03-11T20:42:49Z",
  "transfer_id": "tr_2daFu0zqqDtZGJaSi2TGI2Mm1nN"
}

The account verification object has the following attributes:

Attribute	Type	Description
`id`	`string`	Unique identifier for the account verification.
`object`	`string`	Literal that identifies the object type. Always `account_verification`.
`counterparty`	`object`	Details of the verified counterparty account. See the Counterparty object table below.
`mode`	`string`	API key mode for the verification. One of `live` or `test`.
`reason`	`string`	Failure reason. `null` unless `status` is `failed`. See the account verification failure reasons.
`receipt_url`	`string`	Verification receipt URL. `null` until the verification transfer settles.
`status`	`string`	Current verification state. One of `pending` (in progress), `succeeded` (ownership confirmed), or `failed` (could not be completed).
`transaction_date`	`string`	ISO 8601 datetime in UTC when Fintoc performed the verification. `null` until the verification transfer settles.
`transfer_id`	`string`	Identifier of the transfer issued to verify the account. `null` until the verification transfer is created.

Counterparty

The counterparty field describes the account holder that Fintoc verifies. The field has the following attributes:

Attribute	Type	Description
`account_number`	`string`	The 18-digit standardized Mexican bank account number (CLABE) of the verified counterparty.
`account_type`	`string`	Lowercase account type for the counterparty. Always `clabe` for Mexican account verifications.
`holder_id`	`string`	Mexican tax ID (RFC) of the account holder. `null` when not available.
`holder_name`	`string`	Name of the account holder. `null` when not available.
`institution`	`object`	Financial institution of the counterparty. See the Institution object table below.

Institution

The institution field identifies the counterparty’s financial institution and has the following attributes:

Attribute	Type	Description
`id`	`string`	Identifier assigned to the institution. See the Mexico (Banxico) institution codes.
`country`	`string`	ISO 3166-1 alpha-2 country code of the institution, in lowercase. Always `mx`.
`name`	`string`	Name of the institution.

Account verification failure reasons

The following reasons explain why an account verification failed, including return codes from Mexico’s Interbank Electronic Payment System (SPEI):

Reason	Description
`transfer_fail`	Fintoc could not send the verification transfer.
`cep_unavailable`	Banxico did not publish the electronic payment receipt (CEP) within the 30-minute verification window, so Fintoc could not confirm the account. Retry the verification later.
`unknown`	The reason could not be determined.
Any SPEI return code	The counterparty institution returned the verification transfer through SPEI. The code mirrors the transfer `return_reason`. See the SPEI codes for each code and the recommended action.

Fintoc API

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Payments API

Transfers API

Movements API

Direct Debit (Legacy)

Fiscal API

The Account Verification object

Counterparty

Institution

Account verification failure reasons

​Counterparty

​Institution

​Account verification failure reasons

Counterparty

Institution

Account verification failure reasons