Silent Account verification

Silent account verification is a secure and zero-friction authentication method that confirms user identity or bank details in the background, without requiring manual input like passwords or OTPs.

silent_account_verification

POST https://secctrl.tutelar.io/api/v1/kyc/banking/silent_account_verification

Post parameters description is given below,

Post Parameter

Type

Is Mandatory

Description

accountNo

String

Yes

Account Number

ifsc

String

Yes

IFSC Code

narration

String

Yes

Refers to a specific, pre-defined reference message.

mobileNumber

String

Mobile Number

remitterName

String

Name of the remitter

Sample Post Parameters

{
    "accountNo": "1234567891",
    "ifsc": "HDFC0000001",
    "narration": "CSC",
    "mobileNumber": "8879000123",
    "remitterName": "Johnson"
}

{
    "success": true,
    "code": 200,
    "message": "The request has been successfully completed.",
    "reference_id": "249d5913-5aae-4b52-bf78-448a4870476c",
    "status": "completed",
    "result": {
        "transDateTime": "22/04/2026 11:58:55",
        "beneficiaryName": "Mr Rahul S",
        "accountType": "SAVINGS",
        "rrn": "611211000002"
    },
    "requested_at": "2026-04-22T06:28:53.718Z",
    "completed_at": "2026-04-22T06:28:55.377Z"
}

{
    "success": true,
    "code": 200,
    "message": "The request is being processed. Please wait for completion.",
    "reference_id": "10cc9473-ce11-425e-ac89-1f51ce6e78de",
    "status": "in_progress",
    "requested_at": "2024-04-22T05:28:49.245Z"
}

{
    "success": false,
    "code": 400,
    "message": "Account number should not be empty",
    "error": {
        "message": "Account number should not be empty",
        "field": "accountNo",
        "code": "BAD_REQUEST"
    }
}
{
    "success": false,
    "code": 400,
    "message": "Please enter a valid account number",
    "error": {
        "message": "Please enter a valid account number",
        "field": "accountNo",
        "code": "BAD_REQUEST"
    }
}
{
    "success": false,
    "code": 400,
    "message": "Invalid IFSC code",
    "error": {
        "message": "Invalid IFSC code",
        "field": "ifsc",
        "code": "BAD_REQUEST"
    }
}
{
    "success": false,
    "code": 400,
    "message": "Narration should not be empty",
    "error": {
        "message": "Narration should not be empty",
        "field": "narration",
        "code": "BAD_REQUEST"
    }
}
{
    "success": false,
    "code": 400,
    "message": "Invalid characters detected in narration",
    "error": {
        "message": "Invalid characters detected in narration",
        "field": "narration",
        "code": "BAD_REQUEST"
    }
}
{
    "success": false,
    "code": 400,
    "message": "Invalid Mobile Number",
    "error": {
        "message": "Invalid Mobile Number",
        "field": "mobileNumber",
        "code": "BAD_REQUEST"
    }
}
{
    "success": false,
    "code": 400,
    "message": "Invalid characters detected in remitter name",
    "error": {
        "message": "Invalid characters detected in remitter name",
        "field": "remitterName",
        "code": "BAD_REQUEST"
    }
}

{
    "success": true,
    "code": 200,
    "message": "The request could not be completed due to an error.",
    "reference_id": "3c94fbf2-1dd0-4d8b-ac9b-d0cccfb1d02a",
    "status": "failed",
    "error": {
        "message": "Invalid details were provided. Please submit valid details.",
        "code": "ERROR"
    },
    "requested_at": "2024-04-22T05:34:58.477Z",
    "completed_at": "2024-04-22T05:35:06.000Z"
}

Check Document Status

Get document details

This Get details API using to fetch the latest updated response when the above API gave the status as in-progress by using the reference_id

GET https://secctrl.tutelar.io/api/v1/kyc/banking/silent_account_verification

Query parameters description is given below,

Query Parameter

Type

Is Mandatory

Description

reference_id

String

Yes

Document reference id

{
    "success": true,
    "code": 200,
    "message": "The request has been successfully completed.",
    "reference_id": "249d5913-5aae-4b52-bf78-448a4870476c",
    "status": "completed",
    "result": {
        "transDateTime": "22/04/2026 11:58:55",
        "beneficiaryName": "Mr Rahul S",
        "accountType": "SAVINGS",
        "rrn": "611211000002"
    },
    "requested_at": "2026-04-22T06:28:53.718Z",
    "completed_at": "2026-04-22T06:28:55.377Z"
}

{
    "success": true,
    "code": 200,
    "message": "The request is being processed. Please wait for completion.",
    "reference_id": "e78337ea-b8db-4352-9e34-9fdee2dd6d4a",
    "status": "in_progress",
    "requested_at": "2026-04-22T06:23:00.818Z"
}

{
    "success": true,
    "code": 200,
    "message": "The request could not be completed due to an error.",
    "reference_id": "19e5f365-1784-455f-ba7c-db715b3b0873",
    "status": "failed",
    "error": {
        "message": "Invalid details were provided. Please submit valid details.",
        "code": "ERROR"
    },
    "requested_at": "2026-04-22T06:20:55.032Z",
    "completed_at": "2026-04-22T06:21:23.183Z"
}

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