Validasi Rekening

Cocokkan nomor dan nama pemilik rekening di 130+ bank Indonesia.

Koleksi PostmanOpenAPI spec

Base URL

https://use.api.co.id

Kirim GET /validation/bank dengan query bank_code, account_number, dan account_name, plus header x-api-co-id. Response berisi is_valid, score kecocokan nama, dan nama pemilik yang di-mask (hanya jika valid). Daftar lengkap bank tersedia di GET /validation/bank/available.

Format kode bank

Kode bank bisa dikirim dalam dua format, keduanya diproses sama:

• Format pendek: mandiri, bca, bri (otomatis dipetakan ke format lengkap)
• Format lengkap: bank_mandiri, bank_bca, bank_bri (dipakai apa adanya)

Bank yang didukung

130+ bank Indonesia, di antaranya:

Bank	Kode
BCA (Bank Central Asia)	bca atau bank_bca
BRI (Bank Rakyat Indonesia)	bri atau bank_bri
BNI (Bank Negara Indonesia)	bni atau bank_bni
BSI (Bank Syariah Indonesia)	bsi atau bank_bsm
Mandiri (Bank Mandiri)	mandiri atau bank_mandiri
SeaBank (SeaBank Indonesia)	seabank atau bank_kesejahteraan_ekonomi

Gunakan endpoint Get Available Banks (GET /validation/bank/available) untuk melihat daftar lengkapnya.

Field response

Field	Keterangan
is_valid	Boolean, true jika validasi rekening lolos
score	Float 0.0–10.0, tingkat keyakinan kecocokan nama
name	Nama pemilik yang di-mask: 3 karakter pertama + **** (hanya jika valid, null jika tidak valid)
message	Pesan status hasil validasi
note	Catatan tambahan (string kosong jika valid, "Name was not returned" jika validasi gagal)

Cara kerja

• Verifikasi rekening secara real-time.
• Fuzzy name matching dengan skor keyakinan.
• Retry otomatis dengan fallback.
• Masking nama untuk menjaga privasi.

Validate Bank Account

GET/validation/bank

Validate a bank account number and account holder name.

### Example Request ``bash curl --location 'http://localhost:3003/validation/bank?bank_code=bank_bri&account_number=110601003647539&account_name=John%20Doe' \ --header 'x-api-co-id: your-api-key'

### Query Parameters - bank_code (required): Bank code identifier - Can be short format: mandiri, bca, bri, bni, bsi, seabank - Or full format: bank_mandiri, bank_bca, bank_bri, bank_bni, bank_bsm, bank_kesejahteraan_ekonomi - Use GET /validation/bank/available to see all 130+ supported banks - account_number (required): Bank account number to validate - account_name (required): Account holder name to match against bank records

### Response Returns validation result with: - is_valid: Boolean indicating if validation passed - score: Name matching score (0.0 to 10.0, >= 7.0 is valid) - name: Masked account name showing first 3 chars + ** (only if valid, null if invalid) - message: Status message - note**: Additional note (empty if valid, "Name was not returned on invalid validation" if failed)

### Validation Logic 1. Validates bank account number and account holder name 2. Returns match score (0.0 to 10.0) indicating validation confidence 3. Score >= 7.0 indicates successful validation 4. Valid names are masked for privacy (e.g., "Rif** Eln**")

Query parameter

Nama	Tipe	Keterangan
bank_codeWajib	string	Bank code - can be short format (mandiri, bca, bri) or full format (bank_mandiri, bank_bca, bank_bri). Use GET /validation/bank/available to see all supported banks. Contoh: bank_bri
account_numberWajib	string	Bank account number Contoh: 110601003647539
account_nameWajib	string	Account holder name to validate Contoh: John Doe

Field response

Nama	Tipe	Keterangan
is_successOpsional	boolean	Contoh: true
messageOpsional	string	Contoh: Success
dataOpsional	object
data.is_validOpsional	boolean	Boolean indicating if account validation passed Contoh: true
data.scoreOpsional	number	Name matching score (0.0 to 10.0, >= 7.0 is valid) Contoh: 8.5
data.nameOpsional	string	Masked account name showing first 3 chars + **** (only if valid, null if invalid) Contoh: Rif**** Eln****
data.messageOpsional	string	Status message describing the validation result Contoh: Validation successful
data.noteOpsional	string	Additional note (empty string if valid, "Name was not returned" if validation failed) Contoh:

Request

curl -X GET "https://use.api.co.id/validation/bank?bank_code=bank_bri&account_number=110601003647539&account_name=John%20Doe" \  -H "x-api-co-id: $API_CO_ID_KEY"

Response

200OKSuccessful response

{  "is_success": true,  "message": "Success",  "data": {    "is_valid": true,    "score": 8.5,    "name": "Rif**** Eln****",    "message": "Validation successful",    "note": ""  }}

Get Available Banks

GET/validation/bank/available

Get the complete list of all available banks supported by the validation API.

### Response Returns a list of all supported banks with: - banks: Array of bank objects - bank_name: Full name of the bank (e.g., "MANDIRI", "BCA", "BRI") - bank_code: Bank code to use in validation requests (e.g., "bank_mandiri", "bank_bca", "bank_bri") - total: Total number of supported banks (130+)

### Usage Use this endpoint to: - Discover all supported banks - Get the correct bank code for validation requests - Build dynamic bank selection dropdowns in your application

### Bank Code Format You can use either: - Short format: Remove bank_ prefix (e.g., use mandiri instead of bank_mandiri) - Full format: Use the exact bank_code from the response Both formats work the same way in validation requests.

Field response

Nama	Tipe	Keterangan
is_successOpsional	boolean	Contoh: true
messageOpsional	string	Contoh: Success
dataOpsional	object
data.banksOpsional	object[]
data.banks[].bank_nameOpsional	string	Contoh: MANDIRI
data.banks[].bank_codeOpsional	string	Contoh: bank_mandiri
data.totalOpsional	integer	Total number of supported banks Contoh: 130

Request

curl -X GET "https://use.api.co.id/validation/bank/available" \  -H "x-api-co-id: $API_CO_ID_KEY"

Response

200OKSuccessful response

{  "is_success": true,  "message": "Success",  "data": {    "banks": [      {        "bank_name": "MANDIRI",        "bank_code": "bank_mandiri"      },      {        "bank_name": "BCA",        "bank_code": "bank_bca"      },      {        "bank_name": "BRI",        "bank_code": "bank_bri"      },      {        "bank_name": "BNI",        "bank_code": "bank_bni"      },      {        "bank_name": "BSI (BANK SYARIAH INDONESIA)",        "bank_code": "bank_bsm"      },      {        "bank_name": "SEABANK/BANK BKE",        "bank_code": "bank_kesejahteraan_ekonomi"      }    ],    "total": 130  }}

Use case

Payment gateway

Verifikasi rekening untuk kebutuhan payment gateway.

Registrasi e-wallet

Validasi rekening pengguna saat registrasi e-wallet.

Onboarding layanan keuangan

Cek rekening saat onboarding layanan keuangan.

Kepatuhan KYC

Cocokkan nomor rekening dan nama pemilik untuk kepatuhan KYC (Know Your Customer).

Verifikasi kepemilikan rekening

Pastikan rekening sesuai dengan nama pemilik yang diberikan.

Pencegahan fraud

Gunakan hasil validasi rekening untuk mencegah fraud.