Bank Account Penny Drop API: Real-Time IMPS Account Validation

# Python 3.9+ Bank Account Penny Drop Verification
import requests

api_key = "YOUR_API_KEY"
endpoint = "https://api.aspassociates.in/v1/verify/bank-account"

headers = {
    "Authorization": f"Bearer {api_key}",
    "Content-Type": "application/json"
}

payload = {
    "account_number": "50100234871605",
    "ifsc": "HDFC0000123",
    "expected_name": "Meera Lakshmi Devan",
    "consent": True
}

response = requests.post(endpoint, json=payload, headers=headers, timeout=5)
data = response.json()

if data.get("outcome") == "SUCCESS":
    acc = data["data"]
    print(f"Status: {acc['account_status']}")
    print(f"CBS Legal Name: {acc['registered_name_at_bank']}")
    print(f"Name Match: {acc['name_match']['match_level']} ({acc['name_match']['score'] * 100}%)")

// Node.js 18+ Bank Account Penny Drop IMPS Client
const apiKey = process.env.ASP_API_KEY || 'YOUR_API_KEY';

async function verifyBankAccount(accountNo, ifscCode, expectedName) {
  const res = await fetch('https://api.aspassociates.in/v1/verify/bank-account', {
    method: 'POST',
    headers: {
      'Authorization': `Bearer ${apiKey}`,
      'Content-Type': 'application/json'
    },
    body: JSON.stringify({
      account_number: accountNo,
      ifsc: ifscCode,
      expected_name: expectedName,
      consent: true
    })
  });

  const json = await res.json();
  if (json.outcome === 'SUCCESS') {
    console.log(`CBS Name: ${json.data.registered_name_at_bank}`);
    console.log(`Match Level: ${json.data.name_match.match_level}`);
  }
  return json;
}

verifyBankAccount('50100234871605', 'HDFC0000123', 'Meera Lakshmi Devan');

// POST /v1/verify/bank-account — Request Payload
POST https://api.aspassociates.in/v1/verify/bank-account
Authorization: Bearer <YOUR_API_KEY>
Content-Type: application/json

{
  "account_number": "50100234871605",
  "ifsc": "HDFC0000123",
  "expected_name": "Meera Lakshmi Devan",
  "consent": true
}

// 200 OK — Latency: 184ms
{
  "outcome": "SUCCESS",
  "request_id": "req_bank_3f92b1",
  "data": {
    "account_status": "ACTIVE",
    "registered_name_at_bank": "MEERA LAKSHMI DEVAN",
    "bank_name": "HDFC BANK LIMITED",
    "imps_reference_no": "623418904512",
    "name_match": {
      "score": 1.0,
      "match_level": "EXACT"
    }
  },
  "consent_verified": true,
  "tat_ms": 184
}