Verification

The Verification resource allows you to perform KYC (Know Your Customer) processes, such as confirming account numbers and validating customer details. This is crucial for ensuring you are sending money to the correct person and preventing fraud.

Resolve Account Number

Confirm that an account number belongs to the expected customer. This feature is available to businesses in Nigeria and Ghana.

Method Signature

paystack()->verification()->resolveAccount(string $accountNumber, string $bankCode): array

Parameters

Parameter	Type	Description
accountNumber	string	The account number to resolve.
bankCode	string	The bank code (use paystack()->miscellaneous()->listBanks() to get codes).

Example

// Resolve a GTBank account number
$details = paystack()->verification()->resolveAccount('0123456789', '058');

// Accessing the account name
echo $details['data']['account_name']; // e.g., "Stephen Asare"

Validate Account (South Africa)

Confirm the authenticity of a customer's account details. This is a more rigorous check used primarily in South Africa for KYC compliance.

Method Signature

paystack()->verification()->validateAccount(array $payload): array

Parameters

Parameter	Type	Description
account_name	string	Customer's registered name.
account_number	string	Customer's account number.
account_type	string	personal or business.
bank_code	string	The bank code.
country_code	string	ISO code (e.g., ZA).
document_type	string	identityNumber, passportNumber, or businessRegistrationNumber.
document_number	string	The ID number corresponding to the document type.

Example

$validation = paystack()->verification()->validateAccount([
    'bank_code' => '632005', // Absa Bank
    'country_code' => 'ZA',
    'account_number' => '0123456789',
    'account_name' => 'Ann Bron',
    'account_type' => 'personal',
    'document_type' => 'identityNumber',
    'document_number' => '1234567890123'
]);

Resolve Card BIN

Get information about a card using its first 6 digits (BIN - Bank Identification Number). This helps identify the card brand, issuing bank, and country.

Method Signature

paystack()->verification()->resolveCardBin(string $bin): array

Parameters

Parameter	Type	Description
bin	string	First 6 digits of the card number.

Example

$cardInfo = paystack()->verification()->resolveCardBin('539983');

// Output: Mastercard, Guaranty Trust Bank, Nigeria

Use Cases

1. Verifying Beneficiaries Before Transfer

Before adding a transfer recipient, it is best practice to resolve the account number to ensure the name matches what the user provided.

$accountNumber = '0001234567';
$bankCode = '058';
$providedName = 'Stephen Asare';

try {
    $resolved = paystack()->verification()->resolveAccount($accountNumber, $bankCode);
    $bankAccountName = $resolved['data']['account_name'];

    // Simple fuzzy match or direct comparison
    if (strtoupper($bankAccountName) === strtoupper($providedName)) {
        // Proceed to create recipient
        paystack()->transferRecipient()->create([
            'type' => 'nuban',
            'name' => $bankAccountName,
            'account_number' => $accountNumber,
            'bank_code' => $bankCode,
            'currency' => 'NGN'
        ]);
    } else {
        throw new Exception("Account name mismatch: $bankAccountName vs $providedName");
    }
} catch (\Exception $e) {
    // Handle invalid account
}

2. Fraud Detection with Card BIN

You can use the BIN resolution to block cards from specific countries or to verify if a card is prepaid vs debit.

$bin = substr($cardNumber, 0, 6);
$details = paystack()->verification()->resolveCardBin($bin);

if ($details['data']['country_code'] !== 'NG') {
    // Flag transaction for manual review if you only expect local cards
}