Bank Account Verification

Overview

MSLA´s bank account verification is a necessary part of the transaction process that ensures funds are coming from and going to legitimate bank accounts by confirming that the account being attached is a valid bank account.

¿What is it for?

Use this query to obtain bank account information by entering the account number and personal details, such as:

Type of document of the account holder
Currency of the account
Document number of the account holder
Account status and validity
Name of the beneficiary
Type of account
Bank name

Endpoints

Request header parameter

NAME	REQUIRED	TYPE	DESCRIPTION
Authorization	✅	string	bearer jwt token

Peru

HTTP method GET

https://api.msla-id.com/experience-bankaccount-api-v1/api/pe-bank-accounts/{accountNumber}/validation

[SANDBOX Environment]

For testing purposes, use the base domain: apidev.msla-id.com

Request path parameter

NAME	REQUIRED	TYPE	DESCRIPTION
accountNumber	✅	string	Account Number

Response body

{
   "traceId":"123456789010101",
   "timestamp":"yyyy-mm-dd HH:MM:SS",
   "data":{
      "valid":true,
      "message":"Cuenta valida",
      "account_number":"99900000000000000030",
      "bank_code":"999",
      "country_code":"PE",
      "branch_code":null,
      "document_type":null,
      "document_number":null,
      "beneficiary_name":"CARLOS JIMENES BORJA",
      "account_currency":"PEN",
      "account_type":"SAVINGS"
   }
}

A 200 with data.valid=false is a successful validation of an invalid account. It is not HTTP 404. Do not assert on data.message.

{
   "traceId":"7d4e8730da3a20f3",
   "timestamp":"2026-08-28 05:40:33",
   "data":{
      "valid":false,
      "message":"Cuenta credito invalida (Formato CCI Invalido)",
      "account_number":"99900000304000000030",
      "bank_code":null,
      "country_code":"PE",
      "branch_code":null,
      "document_type":null,
      "document_number":null,
      "beneficiary_name":null,
      "account_currency":null,
      "account_type":null
   }
}

Status code responses

Code	Description
200	OK. `data.valid` true or false.
400	Bad request — `IDV-3001` Invalid or incomplete input data
401	Unauthorized
403	Forbidden — `IDV-1004`
404	Not found — `IDV-1002` Data not found.
500	Internal server error — `IDV-1008`
504	Gateway timeout — `IDV-1100`

The authentication error codes can be found here.

Response 400 status code

{
    "traceId": "542fc743fffda052",
    "timestamp": "yyyy-mm-dd HH:MM:SS",
    "code": "IDV-3001",
    "message": "Bad request - Invalid or incomplete input data",
    "data": null
}

Response 404 status code

{
    "traceId": "43a20f33d4e8730d",
    "timestamp": "yyyy-mm-dd HH:MM:SS",
    "code": "IDV-1002",
    "message": "Data not found."
}

Response 500 status code

{
    "traceId": "43a20f33d4e8730d",
    "timestamp": "yyyy-mm-dd HH:MM:SS",
    "code": "IDV-1008",
    "message": "Error in the source of origin, please contact an administration.",
    "data": null
}

Response 504 status code

{
    "traceId": "43a20f33d4e8730d",
    "timestamp": "yyyy-mm-dd HH:MM:SS",
    "code": "IDV-1100",
    "message": "Gateway Timeout",
    "data": null
}

Mexico

HTTP method GET

https://api.msla-id.com/experience-bankaccount-api-v1/api/mx-bank-accounts/{accountNumber}/validation

[SANDBOX Environment]

For testing purposes, use the base domain: apidev.msla-id.com

Request path parameter

NAME	REQUIRED	TYPE	DESCRIPTION
accountNumber	✅	string	Account Number

Response body

{
   "traceId":"123456789010101",
   "data":{
      "valid":true,
      "message":"Cuenta valida",
      "account_number":"0000000000",
      "bank_code":"999",
      "country_code":"MX",
      "branch_code":"000",
      "document_type":"RFC",
      "document_number":"XXX6702109X6",
      "beneficiary_name":"CRUZ ROJA MEXICANA",
      "account_currency":"MXN",
      "account_type":null
   }
}

A 200 with data.valid=false is a successful validation of an invalid account. It is not HTTP 404. Do not assert on data.message.

{
   "traceId":"0abd976d5d1baf6b",
   "timestamp":"2026-08-21 12:29:40",
   "data":{
      "valid":false,
      "message":"Cuenta credito invalida",
      "account_number":"00000000000000000000",
      "bank_code":null,
      "country_code":"MX",
      "branch_code":null,
      "document_type":null,
      "document_number":null,
      "beneficiary_name":null,
      "account_currency":null,
      "account_type":null
   }
}

Status code responses

Code	Description
200	OK. `data.valid` true or false.
400	Bad request — `IDV-3001` Invalid or incomplete input data
401	Unauthorized
403	Forbidden — `IDV-1004`
404	Not found — `IDV-1002` Data not found.
500	Internal server error — `IDV-1008`
504	Gateway timeout — `IDV-1100`

The authentication error codes can be found here.

Response 400 status code

{
    "traceId": "542fc743fffda052",
    "timestamp": "yyyy-mm-dd HH:MM:SS",
    "code": "IDV-3001",
    "message": "Bad request - Invalid or incomplete input data",
    "data": null
}

Response 404 status code

{
    "traceId": "43a20f33d4e8730d",
    "timestamp": "yyyy-mm-dd HH:MM:SS",
    "code": "IDV-1002",
    "message": "Data not found."
}

Response 500 status code

{
    "traceId": "0dc7f03f3c9a3873",
    "timestamp": "2026-09-01 12:39:24",
    "code": "IDV-1008",
    "message": "Error in the source of origin, please contact an administrator!",
    "data": null
}

Response 504 status code

{
    "traceId": "43a20f33d4e8730d",
    "timestamp": "yyyy-mm-dd HH:MM:SS",
    "code": "IDV-1100",
    "message": "Gateway Timeout",
    "data": null
}

Chile

HTTP method POST

https://api.msla-id.com/experience-bankaccount-api-v1/api/ch-bank-accounts/validation

[SANDBOX Environment]

For testing purposes, use the base domain: apidev.msla-id.com

Request body (JSON)

NAME	REQUIRED	TYPE	DESCRIPTION
account_number	✅	string	Account Number
bank_code	✅	string	Bank Code
document_type	✅	string	Document Type
account_type	✅	string	Account Type
document_number	✅	string	Document Number

Response body

{
   "traceId":"123456789010101",
   "data":{
      "valid":true,
      "message":"Cuenta valida",
      "account_number":"000000000000011",
      "bank_code":"9999",
      "country_code":"CL",
      "branch_code":null,
      "document_type":"RUT",
      "document_number":"14.123.456-9",
      "beneficiary_name":"JUAN PEREZ",
      "account_currency":"CLP",
      "account_type":"CHECKING"
   }
}

Brazil

HTTP method POST

https://api.msla-id.com/experience-bankaccount-api-v1/api/br-bank-accounts/validation

[SANDBOX Environment]

For testing purposes, use the base domain: apidev.msla-id.com

Request body (JSON)

NAME	REQUIRED	TYPE	DESCRIPTION
accountNumber	✅	string	Account Number
documentNumber	✅	string	Document Number

Response body

{
   "traceId":"123456789010101",
   "timestamp":"yyyy-mm-dd HH:MM:SS",
   "data":{
      "valid":true,
      "message":"Cuenta valida",
      "account_number":"1001",
      "bank_code":"999",
      "country_code":"BR",
      "branch_code":"1010",
      "document_type":"CPF/CNPJ",
      "document_number":"58.547.642/0001-95",
      "beneficiary_name":"JORGE GONCALVES JR",
      "account_currency":"BRL",
      "account_type":"SAVINGS"
   }
}

A 200 with data.valid=false is a successful validation of an invalid account. It is not HTTP 404. Do not assert on data.message.

{
   "traceId":"0abd976d5d1baf6b",
   "timestamp":"2026-08-21 12:29:40",
   "data":{
      "valid":false,
      "message":null,
      "account_number":null,
      "bank_code":null,
      "country_code":"BR",
      "branch_code":null,
      "document_type":null,
      "document_number":null,
      "beneficiary_name":null,
      "account_currency":null,
      "account_type":null
   }
}

Status code responses

Code	Description
200	OK. `data.valid` true or false.
400	Bad request — `IDV-3001` Invalid or incomplete input data
401	Unauthorized
403	Forbidden — `IDV-1004`
404	Not found — `IDV-1002` Data not found.
500	Internal server error — `IDV-1008`
504	Gateway timeout — `IDV-1100`

The authentication error codes can be found here.

Response 400 status code

{
    "traceId": "542fc743fffda052",
    "timestamp": "yyyy-mm-dd HH:MM:SS",
    "code": "IDV-3001",
    "message": "Bad request - Invalid or incomplete input data",
    "data": null
}

Response 403 status code

{
    "traceId": "43a20f33d4e8730d",
    "timestamp": "yyyy-mm-dd HH:MM:SS",
    "code": "IDV-1004",
    "message": "Forbidden",
    "data": null
}

Response 404 status code

{
    "traceId": "43a20f33d4e8730d",
    "timestamp": "yyyy-mm-dd HH:MM:SS",
    "code": "IDV-1002",
    "message": "Data not found."
}

Response 500 status code

{
    "traceId": "43a20f33d4e8730d",
    "timestamp": "yyyy-mm-dd HH:MM:SS",
    "code": "IDV-1008",
    "message": "Error in the source of origin, please contact an administrator!",
    "data": null
}

Response 504 status code

{
    "traceId": "43a20f33d4e8730d",
    "timestamp": "yyyy-mm-dd HH:MM:SS",
    "code": "IDV-1100",
    "message": "Gateway Timeout",
    "data": null
}

Argentina

HTTP method GET

https://api.msla-id.com/experience-bankaccount-api-v1/api/ar-bank-accounts/{accountNumber}/validation

[SANDBOX Environment]

For testing purposes, use the base domain: apidev.msla-id.com

Request path parameter

NAME	REQUIRED	TYPE	DESCRIPTION
accountNumber	✅	string	Account Number

Response body

{
   "traceId":"123456789010101",
   "timestamp":"yyyy-mm-dd HH:MM:SS",
   "data":{
      "valid":true,
      "message":"Cuenta valida",
      "account_number":"123456789",
      "bank_code":"999",
      "country_code":"AR",
      "branch_code":null,
      "document_type":"CUIT",
      "document_number":"30715154541",
      "beneficiary_name":"ROBERTO CARLOS GONZALES PEREZ",
      "account_currency":"ARS",
      "account_type":"CHECKING"
   }
}

A 200 with data.valid=false is a successful validation of an invalid account. It is not HTTP 404. Do not assert on data.message.

{
   "traceId":"0abd976d5d1baf6b",
   "timestamp":"2026-08-21 12:29:40",
   "data":{
      "valid":false,
      "message":"Cuenta credito invalida (0111 - CBU NO EXISTE)",
      "account_number":"00000000000000000000",
      "bank_code":null,
      "country_code":"AR",
      "branch_code":null,
      "document_type":null,
      "document_number":null,
      "beneficiary_name":null,
      "account_currency":null,
      "account_type":null
   }
}

Status code responses

Code	Description
200	OK. `data.valid` true or false.
400	Bad request — `IDV-3001` Invalid or incomplete input data
401	Unauthorized
403	Forbidden — `IDV-1004`
404	Not found — `IDV-1002` Data not found.
500	Internal server error — `IDV-1008`
504	Gateway timeout — `IDV-1100`

The authentication error codes can be found here.

Response 400 status code

{
    "traceId": "542fc743fffda052",
    "timestamp": "yyyy-mm-dd HH:MM:SS",
    "code": "IDV-3001",
    "message": "Bad request - Invalid or incomplete input data",
    "data": null
}

Response 404 status code

{
    "traceId": "43a20f33d4e8730d",
    "timestamp": "yyyy-mm-dd HH:MM:SS",
    "code": "IDV-1002",
    "message": "Data not found."
}

Response 500 status code

{
    "traceId": "43a20f33d4e8730d",
    "timestamp": "yyyy-mm-dd HH:MM:SS",
    "code": "IDV-1008",
    "message": "Error in the source of origin, please contact an administration.",
    "data": null
}

Response 504 status code

{
    "traceId": "43a20f33d4e8730d",
    "timestamp": "yyyy-mm-dd HH:MM:SS",
    "code": "IDV-1100",
    "message": "Gateway Timeout",
    "data": null
}

Uruguay

HTTP method POST

https://api.msla-id.com/experience-bankaccount-api-v1/api/uy-bank-accounts/validation

[SANDBOX Environment]

For testing purposes, use the base domain: apidev.msla-id.com

Request body (JSON)

NAME	REQUIRED	TYPE	DESCRIPTION
account_number	✅	string	Account Number
bank_code	✅	string	Bank code (see Uruguay Bank Catalog below)

Uruguay Bank Catalog

bank_code	Name Bank
001	BROU
091	HIPOTECARIO(BHU)
110	BANCO BANDES URUGUAY
113	BANCO ITAU
128	SCOTIABANK
137	SANTANDER
153	BBVA URUGUAY S.A.
157	HSBC BANK URUGUAY
162	HERITAGE
205	CITIBANK
246	NACION ARGENTINA
452	PREX
6917	NUMMI S.A (MiDinero)
815	OCA BLUE

Response body

{
   "traceId":"123456789010101",
   "timestamp":"yyyy-mm-dd HH:MM:SS",
   "data":{
      "valid":true,
      "message":"Cuenta valida",
      "account_number":"00001",
      "bank_code":"001",
      "country_code":"UY",
      "branch_code":null,
      "document_type":null,
      "document_number":null,
      "beneficiary_name":"MAR** FLORE**** GORDI**** BENÍ***",
      "account_currency":null,
      "account_type":null
   }
}

A 200 with data.valid=false is a successful validation of an invalid account. It is not HTTP 404. Do not assert on data.message.

{
   "traceId":"0abd976d5d1baf6b",
   "timestamp":"2026-08-21 12:29:40",
   "data":{
      "valid":false,
      "message":"Cuenta invalida",
      "account_number":"00000000000000000000",
      "bank_code":null,
      "country_code":"UY",
      "branch_code":null,
      "document_type":null,
      "document_number":null,
      "beneficiary_name":null,
      "account_currency":null,
      "account_type":null
   }
}

Status code responses

Code	Description
200	OK. `data.valid` true or false.
400	Bad request — `IDV-3001` Invalid or incomplete input data
401	Unauthorized
403	Forbidden — `IDV-1004`
404	Not found — `IDV-1002` Data not found.
500	Internal server error — `IDV-1008`
504	Gateway timeout — `IDV-1100`

The authentication error codes can be found here.

Response 400 status code

{
    "traceId": "542fc743fffda052",
    "timestamp": "yyyy-mm-dd HH:MM:SS",
    "code": "IDV-3001",
    "message": "Bad request - Invalid or incomplete input data",
    "data": null
}

Response 404 status code

{
    "traceId": "43a20f33d4e8730d",
    "timestamp": "yyyy-mm-dd HH:MM:SS",
    "code": "IDV-1002",
    "message": "Data not found."
}

Response 500 status code

{
    "traceId": "43a20f33d4e8730d",
    "timestamp": "yyyy-mm-dd HH:MM:SS",
    "code": "IDV-1008",
    "message": "Error in the source of origin, please contact an administration.",
    "data": null
}

Response 504 status code

{
    "traceId": "43a20f33d4e8730d",
    "timestamp": "yyyy-mm-dd HH:MM:SS",
    "code": "IDV-1100",
    "message": "Gateway Timeout",
    "data": null
}

Ecuador

HTTP method GET

https://api.msla-id.com/experience-bankaccount-api-v1/api/ec-bank-accounts/validation

[SANDBOX Environment]

For testing purposes, use the base domain: apidev.msla-id.com

Request body (JSON)

NAME	REQUIRED	TYPE	DESCRIPTION
accountNumber	✅	string	Bank account number to be validated.
documentNumber	✅	string	Identification document number of the account holder.
documentType	✅	string	Type of identification document associated with the account holder.
accountType	✅	string	Type of bank account to be validated, such as savings or checking.
bankCode	✅	string	Unique code identifying the bank where the account is held.

Response body

{
    "traceId": "3e76bf0af3055b52",
    "timestamp": "2026-09-08 17:49:37",
    "data": {
        "valid": true,
        "message": "Cuenta valida",
        "accountNumber": "52803998",
        "bankCode": "0017",
        "countryCode": "EC",
        "branchCode": null,
        "documentType": null,
        "documentNumber": null,
        "beneficiaryName": "PUCHA MACAS WASHINGTON KEN",
        "accountCurrency": "USD",
        "accountType": "SAVINGS"
    }
}

A 200 with data.valid=false is a successful validation of an invalid account. It is not HTTP 404. Do not assert on data.message.

{
   "traceId":"0abd976d5d1baf6b",
   "timestamp":"2026-08-21 12:29:40",
   "data":{
      "valid":false,
      "message":"Cuenta credito invalida",
      "account_number":"00000000000000000000",
      "bank_code":null,
      "country_code":"MX",
      "branch_code":null,
      "document_type":null,
      "document_number":null,
      "beneficiary_name":null,
      "account_currency":null,
      "account_type":null
   }
}

Ecuador Bank Catalog

bankCode	Name Bank
0010	BANCO PICHINCHA
0017	BANCO GUAYAQUIL
0029	BANCO DE LOJA
0030	BANCO PACIFICO
0032	BANCO INTERNACIONAL
0035	BANCO DEL AUSTRO
0036	PRODUBANCO
0037	BANCO BOLIVARIANO
0042	BANCO GENERAL RUMINAHUI S.A.
0059	BANCO SOLIDARIO
0060	BANCO PROCREDIT S.A.
0201	BANCO DELBANK S.A.
0232	BANCO DINERS CLUB

Status code responses

Code	Description
200	OK. `data.valid` true or false.
400	Bad request — `IDV-3001` Invalid or incomplete input data
401	Unauthorized
403	Forbidden — `IDV-1004`
404	Not found — `IDV-1002` Data not found.
500	Internal server error — `IDV-1008`
504	Gateway timeout — `IDV-1100`

The authentication error codes can be found here.

Response 400 status code

{
    "traceId": "542fc743fffda052",
    "timestamp": "yyyy-mm-dd HH:MM:SS",
    "code": "IDV-3001",
    "message": "Bad request - Invalid or incomplete input data",
    "data": null
}

Response 404 status code

{
    "traceId": "43a20f33d4e8730d",
    "timestamp": "yyyy-mm-dd HH:MM:SS",
    "code": "IDV-1002",
    "message": "Data not found."
}

Response 500 status code

{
    "traceId": "0dc7f03f3c9a3873",
    "timestamp": "2026-09-01 12:39:24",
    "code": "IDV-1008",
    "message": "Error in the source of origin, please contact an administrator!",
    "data": null
}

Response 504 status code

{
    "traceId": "43a20f33d4e8730d",
    "timestamp": "yyyy-mm-dd HH:MM:SS",
    "code": "IDV-1100",
    "message": "Gateway Timeout",
    "data": null
}

Colombia

HTTP method POST

https://api.msla-id.com/experience-bankaccount-api-v1/api/co-bank-accounts/validation

[SANDBOX Environment]

For testing purposes, use the base domain: apidev.msla-id.com

Request body (JSON)

NAME	REQUIRED	TYPE	DESCRIPTION
account_number	✅	string	Account Number
bank_code	✅	string	Bank Code
document_type	✅	string	Document Type
account_type	✅	string	Account Type
document_number	✅	string	Document Number

Response body

{
   "traceId":"123456789010101",
   "data":{
      "valid":true,
      "message":"Cuenta valida",
      "account_number":"000000001",
      "bank_code":"999",
      "country_code":"CO",
      "branch_code":null,
      "document_type":"CC",
      "document_number":"123456789",
      "beneficiary_name":"JU*** ERN*** PE*** ME***",
      "account_currency":"COP",
      "account_type":"CHECKING"
   }
}

Benefits

Given an account number, the existence of the account is checked with the financial institution.
If the account exists, data is returned; if not, you'll be notified. Additional info may include different institution, currency, or closed/disabled account.
If the account accepts multiple currencies, all will be listed separated by commas, e.g., USD, UYU.

Availability

🇺🇾 Uruguay
100% coverage

🇦🇷 Argentina
100% coverage

🇲🇽 Mexico
100% of SPEI banks

🇧🇷 Brazil
100% coverage

🇨🇱 Chile
100% coverage

🇵🇪 Peru
+95% coverage

🇪🇨 Ecuador
+95% coverage

🇨🇴 Colombia
+80% coverage

Bank Account Verification

Overview​

¿What is it for?​

Endpoints​

Request header parameter​

Peru

HTTP method GET

Request path parameter​

Response body​

Status code responses​

Response 400 status code​

Response 404 status code​

Response 500 status code​

Response 504 status code​

Mexico

HTTP method GET

Request path parameter​

Response body​

Status code responses​

Response 400 status code​

Response 404 status code​

Response 500 status code​

Response 504 status code​

Chile

HTTP method POST

Request body (JSON)​

Response body​

Brazil

HTTP method POST

Request body (JSON)​

Response body​

Status code responses​

Response 400 status code​

Response 403 status code​

Response 404 status code​

Response 500 status code​

Response 504 status code​

Argentina

HTTP method GET

Request path parameter​

Response body​

Status code responses​

Response 400 status code​

Response 404 status code​

Response 500 status code​

Response 504 status code​

Uruguay

HTTP method POST

Request body (JSON)​

Uruguay Bank Catalog​

Response body​

Status code responses​

Response 400 status code​

Response 404 status code​

Response 500 status code​

Response 504 status code​

Ecuador

HTTP method GET

Request body (JSON)​

Response body​

Ecuador Bank Catalog​

Status code responses​

Response 400 status code​

Response 404 status code​

Response 500 status code​

Response 504 status code​

Colombia

HTTP method POST

Request body (JSON)​

Response body​

Benefits​

Availability​

Overview

¿What is it for?

Endpoints

Request header parameter

Request path parameter

Response body

Status code responses

Response 400 status code

Response 404 status code

Response 500 status code

Response 504 status code

Request path parameter

Response body

Status code responses

Response 400 status code

Response 404 status code

Response 500 status code

Response 504 status code

Request body (JSON)

Response body

Request body (JSON)

Response body

Status code responses

Response 400 status code

Response 403 status code

Response 404 status code

Response 500 status code

Response 504 status code

Request path parameter

Response body

Status code responses

Response 400 status code

Response 404 status code

Response 500 status code

Response 504 status code

Request body (JSON)

Uruguay Bank Catalog

Response body

Status code responses

Response 400 status code

Response 404 status code

Response 500 status code

Response 504 status code

Request body (JSON)

Response body

Ecuador Bank Catalog

Status code responses

Response 400 status code

Response 404 status code

Response 500 status code

Response 504 status code

Request body (JSON)

Response body

Benefits

Availability