> ## Documentation Index
> Fetch the complete documentation index at: https://docs.fintoc.com/llms.txt
> Use this file to discover all available pages before exploring further.

# The Account Verification object

> Confirms ownership of a counterparty bank account by issuing a verification transfer from one of your accounts.

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.

```json Account verification object theme={null}
{
  "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](/api/transfers-api/account-verification/account-verification-object#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](https://www.banxico.org.mx/cep-scl/listaInstituciones.do). |
| `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](/api/transfers-api/transfers/spei-codes) for each code and the recommended action. |