# SEPA Creditor ID Validator

> SEPA Creditor ID Validator is a paid API for AI agents from 402.com.tr, paid per call via x402, $0.002/call, status unknown (last checked 2026-09-14).

Validates a SEPA Creditor Identifier offline by checking country code, mod-97 check digits, business code, and national ID format — without contacting a scheme manager registry.

## Facts

- Endpoint: GET https://402.com.tr/api/x402/sepa-creditor
- Price: $0.002/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-14
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/sepa-creditor-id-validator-97361e32
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_Yo5kXUa8fu5tR1XOdlije

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 sepa-creditor-id-validator-97361e32
```

Example prompt: Can you validate the SEPA Creditor Identifier DE98ZZZ09999999999 and tell me if the check digits and structure are correct before I use it in a mandate setup?

## When to prefer this

Use this endpoint when you need a fast, cheap, offline structural check of a SEPA Creditor Identifier before attempting mandate setup — especially to catch typos or formatting errors. It is not a substitute for confirming actual registration with a SEPA scheme manager, but it eliminates obviously invalid IDs instantly without requiring a registry lookup.

## Known failure modes

- Missing or empty creditorId parameter returns an error
- Malformed creditorId string (too short, invalid characters) returns a format error
- Invalid country code returns a country validation failure
- Incorrect check digits return a mod-97 failure
- Service unavailable or payment failure returns a 402 or 5xx error

## How this service works

Validate a SEPA Creditor Identifier offline: country, check digits (mod-97), business code and national id. Catches mistyped creditor ids before a mandate setup. Structure only — not a scheme-manager registration proof.

## Output

Returns a structured validation result indicating whether the SEPA Creditor Identifier passes all offline checks: country code recognition, mod-97 check digit correctness, business code format, and national identifier structure. Does not confirm registration with a scheme manager.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "$schema": "https://json-schema.org/draft/2020-12/schema",
 "required": [
  "input"
 ],
 "properties": {
  "input": {
   "type": "object",
   "required": [
    "type",
    "method"
   ],
   "properties": {
    "type": {
     "type": "string",
     "const": "http"
    },
    "method": {
     "enum": [
      "GET"
     ],
     "type": "string"
    },
    "pathParams": {
     "type": "object"
    },
    "queryParams": {
     "type": "object",
     "required": [
      "creditorId"
     ],
     "properties": {
      "creditorId": {
       "type": "string",
       "description": "Creditor Identifier"
      }
     }
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "example": {
     "type": "object"
    }
   }
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/sepa-creditor-id-validator-97361e32/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from 402.com.tr](https://www.zero.xyz/host/402.com.tr/llms.txt)