🏦 Bank Account Verification API

A secure and efficient backend integration for real-time bank account validation. This API ensures that financial details provided by users are accurate and active before initiating transactions, helping to prevent fraud and reduce payment failures.

📋 Table of Contents

• Project Overview
• How It Works
• Key Features
• Tech Stack
• Installation & Setup
• API Documentation
• Security Implementation

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🌟 Project Overview

In fintech applications, verifying a user's bank account is critical for compliance and operational efficiency. This project provides a standardized interface to verify bank details (Account Number + IFSC) by communicating with verification service providers and returning a structured status report.

🔄 How It Works

1. Request: The client sends the account_number and ifsc_code to the API.
2. External Validation: The server forwards these details to a secure verification provider (e.g., RazorpayX, Cashfree, or similar).
3. Response Handling: The API parses the provider's response to confirm if the account is "Active" and returns the registered "Beneficiary Name" for cross-matching.

✨ Key Features

• Instant Validation: Real-time checking of bank account status.
• Beneficiary Name Matching: Retrieves the name registered with the bank to ensure it matches the user's profile.
• Error Handling: Robust logic to handle invalid IFSC codes, closed accounts, or network timeouts.
• Secure Credentials: Implementation of environment variables to protect sensitive API keys and secrets.
• JSON Responses: Clean, consistent API responses for easy frontend integration.

🛠 Tech Stack

• Backend: Node.js, Express.js
• HTTP Client: Axios (for external API calls)
• Utilities: Dotenv (Environment Management), Cors
• Security: Helmet.js / Middleware-based validation

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⚙️ Installation & Setup

Prerequisites

• Node.js installed
• Credentials from a Bank Verification Service Provider (e.g., RazorpayX/Cashfree)

1. Clone the Repository

git clone [https://github.com/Anandhu9255/Bank-Account-Verification-API.git](https://github.com/Anandhu9255/Bank-Account-Verification-API.git)
cd Bank-Account-Verification-API

2. Install Dependencies
Bash
npm install
3. Environment Configuration
Create a .env file in the root directory:

Code snippet
PORT=5000
VERIFICATION_PROVIDER_KEY=your_api_key
VERIFICATION_PROVIDER_SECRET=your_api_secret
API_BASE_URL=provider_endpoint_url
4. Run the Server
Bash
# Start in development mode
npm run dev

# Start in production mode
npm start
🚀 API Documentation
Verify Bank Account
Endpoint: POST /api/verify-account

Payload:

JSON
{
  "accountNumber": "1234567890",
  "ifsc": "HDFC0001234"
}
Success Response (200 OK):

JSON
{
  "success": true,
  "data": {
    "status": "active",
    "nameAtBank": "JOHN DOE",
    "message": "Account verified successfully"
  }
}

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🔒 Security Implementation
Validation Middleware: All incoming requests are sanitized to prevent injection attacks.

Secret Masking: Sensitive provider keys are never exposed to the frontend or logs.

Rate Limiting: (Optional/Recommended) Limits requests to prevent brute-force probing of bank details.
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📄 License
This project is licensed under the MIT License.