# IBAN / ABA Routing / SWIFT-BIC / Card Number Validator

> IBAN / ABA Routing / SWIFT-BIC / Card Number Validator is a paid API for AI agents from api.24klabs.ai, paid per call via x402, $0.002/call, status unknown (last checked 2026-09-15).

Validates and decodes IBAN checksums (country + BBAN), US ABA routing numbers, SWIFT/BIC codes, and credit/debit card numbers (Luhn check + network detection), with auto-detection of input type.

## Facts

- Endpoint: POST https://api.24klabs.ai/api/v1/iban-routing-validate
- Price: $0.002/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-15
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/iban-aba-routing-swift-bic-card-number-validator-6678b7a8
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_sf4D2tOl55M_CjoF8Wfoq

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability iban-aba-routing-swift-bic-card-number-validator-6678b7a8 -d '<json body>'
```

Example prompt: Can you validate this IBAN for me — DE89370400440532013000 — and tell me which country and bank it belongs to? Also check if the checksum is correct.

## When to prefer this

Choose this endpoint when you need to validate or decode financial identifiers — IBANs, US ABA routing numbers, SWIFT/BIC codes, or credit/debit card numbers — without building your own validation logic. It is especially useful in payment workflows, onboarding forms, or data quality pipelines where you need to verify user-supplied banking details before sending them downstream. The auto-detection feature makes it convenient when you don't know in advance what kind of identifier a user will provide.

## Known failure modes

- Invalid or malformed input returns a validation failure with a descriptive error message
- Unsupported instrument type returns an error if auto-detection cannot classify the input
- Checksum failure on IBAN returns invalid with checksum mismatch detail
- Non-existent or unrecognized BIC format returns format error
- Network or timeout errors return HTTP 5xx responses

## How this service works

Validate an IBAN checksum and decode its country and BBAN, validate a US ABA routing number, check SWIFT/BIC format, or Luhn-check a card and detect its network. Auto-detects the kind if not given.

## Output

Returns a JSON object indicating whether the input is valid, the detected instrument type (IBAN, ABA, SWIFT/BIC, or card), the checksum/format result, and decoded metadata such as country code, BBAN (for IBAN), bank name or identifier, or card network (Visa, Mastercard, Amex, etc.).

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "value": {
   "type": "string"
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "kind": "iban",
  "valid": true
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/iban-aba-routing-swift-bic-card-number-validator-6678b7a8/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from api.24klabs.ai](https://www.zero.xyz/host/api.24klabs.ai/llms.txt)