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/v2/kyc/banking/silent_account_verification

Header

Name

Value

Content-Type

application/json

Authorization

Bearer eyJhbGciOiJ.....

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/v2/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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