Onboard & pay out safely
Check bank details, phone and email before you activate an account or release a payout.
How the flow works
- 01POST /v1/validate/iban
IBAN Validation
Validate the IBAN and resolve the bank, BIC and branch.
API details - 02POST /v1/validate/phone
Phone Validation
Confirm the phone is valid with carrier and line type.
API details - 03POST /v1/validate/email
Email Validation
Check the email is deliverable and not disposable.
API details
The flow in code
{ "valid": true, "country_code": "DE", "bank": "Commerzbank", "bic": "COBADEFFXXX" }
{ "valid": true, "country_code": "US", "carrier": "Verizon", "line_type": "mobile" }
{ "valid": true, "deliverable": true, "disposable": false, "free": false }
Piece it together, or ship one flow
Before you activate an account or release a payout, the details have to be real: an IBAN that resolves to an actual bank, a phone that isn’t a throwaway, an email that will deliver. Skip the checks and bad accounts slip through — and a payout to a mistyped IBAN is money you don’t get back.
Piece it together yourself
- Checks: Bank, phone, email — 3 vendors
- IBAN: Regex that passes typos
- Timing: Caught after activation
- Billing: 3 invoices
One Locanium flow
- Checks: 1 Locanium key
- IBAN: Real validation + bank & BIC
- Timing: Blocked before activation
- Billing: One usage-based bill
Why teams build it on Locanium
Three identity checks
Bank, phone and email verified in one flow before you activate.
Bank + BIC resolution
Validate the IBAN and return the bank, BIC and branch.
Catch bad details early
Block invalid accounts before a payout ever leaves.
One integration
IBAN, phone and email checks from a single key.
- 80+
- Countries (IBAN)
- 3
- Checks per flow
- <40ms
- Median response
Questions developers ask
What does IBAN validation return?
Whether the IBAN is structurally valid and passes checksum, plus the resolved bank, BIC and branch — not just a regex pass.
Can it stop payouts to the wrong account?
Yes. Validate the IBAN before you release funds; a checksum-valid but wrong-bank detail is caught before money moves.
How many countries for IBAN?
80+ IBAN countries, with bank and BIC resolution where available.
Do you store applicant data?
No — checks run at request time, in-memory, with nothing retained. See the DPA and subprocessors for detail.
How fast is the full check?
Sub-40 ms median per endpoint. Run IBAN, phone and email in parallel and the whole gate adds about 40 ms.