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Validations

Spain

Private

Account owner verification

The Validations API allows you to verify in real time the owner of a bank account, offering greater security to your payments and collections as well as helping to reduce errors and operating risks.

Treasury Management

Accounts

The Validations API is owned by BBVA, S.A.

Confirm account ownership in real time and in an easy way

As financial transactions become increasingly fast, target account security is becoming more important when it comes to minimizing fraud risk.

Forget about chargebacks caused by incorrect accounts and perform transactions accurately with our service. This API enables you to the ability to verify account ownership during the supplier and customer onboarding process, as well as before making any payments or collections, ensuring a hassle-free experience.

In practice

Enhance the security of your payments and collections.
Detect and avoid errors in your processes.
Incorporate the information directly into your internal management system.
Verify the account owner by their TaxID number.

Wide coverage

Verify any individual and business account holder, both BBVA and other banks in Spain, as long as they participate in the Iberpay Verification Service (99% of verifiable Spanish accounts).

Reliability

Account owner verification is performed based on the owner’s ID document (Spanish ID, TaxID number (CIF, NIF, NIE) or passport) and provides updated information.

Real time

Account verification takes just a few seconds, 24/7.

Real time information

The account validation is performed upon request and the service delivers updated information in seconds.

Integration with your ERP

Incorporating the information directly into your internal management system.

Available 24/7

Consult as many times as you need, any time and every day.

How does it work?

Use the Validations API to verify account ownership:

1. Request

Include the account IBAN number, the owner’s name, the type of ID document and the ID number.

2. Get the request reference

Once BBVA verifies the request format, it generates a request reference. It is a unique code assigned to your request.

3. Real-time verification

Depending on the account bank, BBVA verifies internally or connects to the corresponding bank via Iberpay. The result is shared in seconds.

4. Result of the verification

Check the result of each of your requests at BBVA using the request reference.

This service offers significant value to our clients: it allows them to perform financial operations with enhanced security, minimizing fraud and reducing errors related to their payments and collections.

Miguel Díaz Díaz, Open Banking Product Owner

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ADRUM_BTs	Salesforce Marketing Cloud	Session	Required for monitoring of the service, inherent to SFMC
ADRUM_BT1	Salesforce Marketing Cloud	Session	Required for monitoring of the service, inherent to SFMC
ADRUM_BTa	Salesforce Marketing Cloud	Session	Required for monitoring of the service, inherent to SFMC
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TTC	Adobe Analytics	Session	Cookie used to store the time between the App Page Visit event and the App Completed event.
TTCL	Adobe Analytics	Session	Cookie used to store the time between the LogIn event and App Completed.
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TargetingInfo 2	MediaMind	1 year	Cookie that serves to assign a unique random number that generates MediaMind.

Name	Owner	Duration	Description
mbox	Adobe Target	9 days	Cookie used by Adobe Target to test user experience customization.

Validations

Learn more about Validations

Confirm account ownership in real time and in an easy way

In practice