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Overview

The account resolution endpoint allows you to validate Nigerian bank account numbers and retrieve account holder names before initiating transfers. This verification helps prevent failed transactions and ensures accurate payments.

This endpoint should be called before creating beneficiaries or initiating transfers to Nigerian bank accounts.

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Endpoint

POST /payment-methods/resolve-bank-account

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Request Parameters

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account_number
string
required

Bank account number to verify

  • Must be exactly 10 digits
  • Numbers only (0-9)
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bank_code
string
required

Bank code from the List Banks endpoint

  • 3-6 digit identifier
  • Must be for an active Nigerian bank

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Example Request

curl -X POST "https://api.spendjuice.com/payment-methods/resolve-bank-account" \
-H "Authorization: Bearer YOUR_API_KEY" \
-H "Content-Type: application/json" \
-d '{
  "account_number": "0234247896",
  "bank_code": "058"
}'

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Response Examples

{
  "data": {
    "account_name": "ANON NYMOUS",
    "account_number": "0234247896",
    "bank_code": "058"
  }
}

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Error Handling

Error CodeDescriptionSolution
invalid_account_numberAccount number format is invalidVerify the account number is 10 digits
invalid_bank_codeBank code is invalid or not foundCheck bank code from List Banks endpoint
account_not_foundAccount doesn’t existVerify account details with customer
bank_not_availableBank’s service is temporarily downRetry after a few minutes

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Best Practices

  1. Implementation

    • Call this endpoint before saving beneficiaries
    • Verify account details before each transfer
    • Use response data to auto-fill account holder names

  2. Error Handling

    • Implement exponential backoff for retries
    • Show clear error messages to users
    • Log resolution attempts for debugging

Need Help?

For additional support:

List BeneficiariesBVN Resolution