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

# Verify account

> Name enquiry before creating a transfer. Returns the resolved `accountName` to use as `toAccountName` on Local transfer. Scope: `transfers:write`.

> [!NOTE]
>
> Use `toBankCode` from **List banks**. Pass `data.accountName` as `toAccountName` on **Local transfer**.


## OpenAPI

````yaml POST /api/v1/merchant/transfers/validate
openapi: 3.1.0
info:
  title: SendPadi Merchant API
  version: 1.0.0
  description: >-
    Merchant REST API. Authenticate with HMAC headers (`X-Api-Key`,
    `X-Timestamp`, `X-Signature`). Generate playground headers with [Sign
    requests (playground)](/guides/sign-requests).
servers:
  - url: https://api.sendpadi.com
    description: Production (test + live keys)
security: []
paths:
  /api/v1/merchant/transfers/validate:
    post:
      tags:
        - transfers
      summary: Verify account
      description: >-
        Name enquiry before creating a transfer. Returns the resolved
        `accountName` to use as `toAccountName` on Local transfer. **Scope:**
        `transfers:write`.
      operationId: api-reference_transfers_validate-transfer
      parameters:
        - name: X-Timestamp
          in: header
          required: true
          description: Unix time in seconds
          schema:
            type: string
        - name: X-Signature
          in: header
          required: true
          description: HMAC-SHA256 signature
          schema:
            type: string
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              properties:
                toAccountNumber:
                  type: string
                toBankCode:
                  type: string
                country:
                  type: string
              required:
                - toAccountNumber
                - toBankCode
                - country
            example:
              toAccountNumber: '**********'
              toBankCode: '100004'
              country: Nigeria
      responses:
        '200':
          description: OK
          content:
            application/json:
              schema:
                type: object
                additionalProperties: true
              example:
                success: true
                data:
                  isValid: true
                  accountName: John Doe
                  bankName: OPay
                  bankCode: '100004'
                  fee: 0
              examples:
                success:
                  summary: Success
                  value:
                    success: true
                    data:
                      isValid: true
                      accountName: John Doe
                      bankName: OPay
                      bankCode: '100004'
                      fee: 0
        '400':
          description: Invalid account number
          content:
            application/json:
              schema:
                type: object
                additionalProperties: true
              examples:
                invalid_account_number:
                  summary: Invalid account number
                  value:
                    success: false
                    message: Invalid account number, please check and try again
                    error: ACCOUNT_VERIFICATION_FAILED
                    data:
                      isValid: false
                      accountName: ''
                      bankName: OPay
                      bankCode: '100004'
                      fee: null
                      error: Invalid account number, please check and try again
              example:
                success: false
                message: Invalid account number, please check and try again
                error: ACCOUNT_VERIFICATION_FAILED
                data:
                  isValid: false
                  accountName: ''
                  bankName: OPay
                  bankCode: '100004'
                  fee: null
                  error: Invalid account number, please check and try again
      security:
        - ApiKeyAuth: []
components:
  securitySchemes:
    ApiKeyAuth:
      type: apiKey
      in: header
      name: X-Api-Key
      description: API key id (sp_test_… / sp_live_…)

````

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