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PayAI Bank Verify – IBAN Validation & KYC Risk Scoring
x402
PayAI Bank Verify – IBAN Validation & KYC Risk Scoring is a paid API for AI agents from payai.agentstools.dev, paid per call via x402, $0.008/call, status unknown (last checked 2026-09-15).
Validates an IBAN via ISO 13616 checksum and country-specific structure, resolves the associated BIC/bank/branch, and returns a deterministic 0–100 fraud/KYC risk score with band and reasons.
Price / call$0.008
Success—
StatusUnknown
How this service works
Bank account / IBAN verification in one call: ISO 13616 checksum + per-country structure validation, BIC / bank name / branch resolution, country details, SEPA-zone flag, and a deterministic 0-100 fraud/KYC risk score with a band, reasons and weighted signals. Offline open-registry data (schwifty, MIT). Structural + resolution + risk indicators only; NOT proof the account exists or who owns it, and no name matching. Input not stored.
Output
A structured JSON response containing: ISO 13616 checksum pass/fail, per-country structure validation result, resolved BIC, bank name, and branch details, country information, SEPA-zone membership flag, and a deterministic 0–100 fraud/KYC risk score with a named band (e.g. low/medium/high), list of reasons, and weighted contributing signals. No account existence proof, no owner identity, and no name matching is performed. Input is not stored.
Example use cases
Pre-payment supplier IBAN check
“Before we wire funds to this new supplier, can you validate their IBAN GB29NWBK60161331926819, confirm the bank name and BIC, and tell me if there's any fraud risk I should be aware of? We're expecting a UK account.”
SEPA eligibility check for checkout
“We're adding SEPA Direct Debit to our checkout — can you verify whether IBAN FR7630006000011234567890189 is in the SEPA zone, structurally valid, and what risk band it falls into?”
KYC onboarding bank account screening
“We're onboarding a new customer who provided the IBAN NL91ABNA0417164300 — can you validate it, resolve the bank details, and give me the full KYC risk score with reasons so our compliance team can review it?”
Technical details
Endpoint
GEThttps://payai.agentstools.dev/bank/verifyWhen to prefer
Choose this endpoint when you need a fast, offline, deterministic IBAN validation with combined structural checking, bank resolution, and a KYC/fraud risk score in a single call — especially useful for pre-payment due diligence, SEPA eligibility checks, or compliance screening workflows. Prefer this over manual checksum libraries when you also need BIC resolution and risk scoring without storing data or hitting a live bank API.
Side effects
- Invalid or malformed IBAN format returns a validation error with specific structural failure reason
- Unknown country prefix returns a structure validation failure
- BIC/bank name cannot be resolved if the institution is not present in the open registry (schwifty)
- Country mismatch between IBAN and expected_country raises risk score but does not block the response
- Completely missing IBAN parameter returns a 400-level error
- Very new or obscure national IBANs may lack full registry coverage
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| inputrequired | object | |
| output | object |
Tags
x402
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