Account verification object

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.

{
  "id": "accv_2daFu0zqqDtZGJaSi2TGI2Mm1nN",
  "object": "account_verification",
  "counterparty": {
    "account_number": "132969000000000190",
    "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"
}

Attribute	Type	Description
`id`	`string`	Unique identifier for the account verification.
`object`	`string`	Type of the object. Always `account_verification`.
`counterparty`	`object`	Details of the verified counterparty account. See the Counterparty object table below.
`mode`	`string`	One of `live` or `test`. Verifications run with a live API key are `live`; verifications run with a test API key are `test`.
`reason`	`string`	Reason the verification failed. `null` unless `status` is `failed`. See the account verification failure reasons.
`receipt_url`	`string`	URL of the verification receipt. `null` until the verification transfer settles.
`status`	`string`	Status of the verification. One of `pending` (in progress), `succeeded` (ownership confirmed), or `failed` (could not be completed).
`transaction_date`	`string`	ISO 8601 datetime in UTC of when the verification was performed. `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.

The Counterparty object (within the Account Verification object)

The Counterparty object describes the account holder being verified. It appears in the counterparty field of the account verification.

Attribute	Type	Description
`account_number`	`string`	Account number of the verified counterparty. The 18-digit standardized Mexican bank account number (CLABE).
`account_type`	`string`	Type of the counterparty account, in lowercase. Always `clabe` for Mexican account verifications.
`holder_id`	`string`	Tax identifier of the account holder. The Mexican tax ID (RFC). `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.

The Institution object (within the Counterparty object)

The Institution object identifies the counterparty's financial institution. It appears in the institution field of the Counterparty object.

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

Account verification failure reasons

Reason	Description
`transfer_fail`	Fintoc could not send the verification transfer.
`cep_unavailable`	Banxico did not publish the 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 over SPEI, Mexico's interbank payment system. The code mirrors the transfer `return_reason`. See the SPEI codes for each code and the recommended action.