{ "schema_version": 1, "api_version": "2.0.0", "fixture_only": true, "directory_edition": "b641e745a23e77e29fc3074931b9df864d3f57386ddd23268373a74d2c668f3b", "notice": "Fixed public and synthetic integration examples. Never use these details for payments. A synthetic checksum-valid number is not proof that an account is unassigned. Directory facts are pinned fixtures, not a promise of future live results. X-Bank-Fixture is a local mock selector, not a production API feature.", "cases": [ { "id": "iban_valid", "title": "IBAN with an unsupported national check", "request": { "method": "POST", "path": "/bank", "body": { "iban": "DE89370400440532013000", "deep": true } }, "response": { "status": 200, "headers": { "X-Bank-Edition": "b641e745a23e77e29fc3074931b9df864d3f57386ddd23268373a74d2c668f3b", "X-Bank-Match": "bank" }, "body": { "iban": "DE89370400440532013000", "valid": true, "country": "DE", "formatted": "DE89 3704 0044 0532 0130 00", "bank": "37040044", "bank_name": "Commerzbank", "bic": "COBADEFFXXX", "checks": { "input": "passed", "country": "passed", "length": "passed", "structure": "passed", "checksum": "passed", "national": "not_supported" }, "issues": [], "deep": { "checksum": "89", "branch": null, "account": "0532013000", "directory": { "edition": "b641e745a23e77e29fc3074931b9df864d3f57386ddd23268373a74d2c668f3b", "country": "DE", "match": "bank" } } } } }, { "id": "iban_formatted", "title": "Pasted grouping and lowercase", "request": { "method": "POST", "path": "/bank", "body": { "iban": "de89-3704 0044 0532 0130 00", "deep": true } }, "response": { "status": 200, "headers": { "X-Bank-Edition": "b641e745a23e77e29fc3074931b9df864d3f57386ddd23268373a74d2c668f3b", "X-Bank-Match": "bank" }, "body": { "iban": "DE89370400440532013000", "valid": true, "country": "DE", "formatted": "DE89 3704 0044 0532 0130 00", "bank": "37040044", "bank_name": "Commerzbank", "bic": "COBADEFFXXX", "checks": { "input": "passed", "country": "passed", "length": "passed", "structure": "passed", "checksum": "passed", "national": "not_supported" }, "issues": [], "deep": { "checksum": "89", "branch": null, "account": "0532013000", "directory": { "edition": "b641e745a23e77e29fc3074931b9df864d3f57386ddd23268373a74d2c668f3b", "country": "DE", "match": "bank" } } } } }, { "id": "iban_forbidden", "title": "Invisible character must not be silently repaired", "request": { "method": "POST", "path": "/bank", "body": { "iban": "DE89​370400440532013000" } }, "response": { "status": 200, "headers": {}, "body": { "iban": "DE89​370400440532013000", "valid": false, "country": null, "formatted": null, "bank": null, "bank_name": null, "bic": null, "checks": { "input": "failed", "country": "not_checked", "length": "not_checked", "structure": "not_checked", "checksum": "not_checked", "national": "not_checked" }, "issues": [ { "field": "iban", "code": "invalid_characters", "message": "Use letters A-Z, digits 0-9, spaces or hyphens." } ] } } }, { "id": "iban_unsupported", "title": "Unsupported country prefix", "request": { "method": "POST", "path": "/bank", "body": { "iban": "US89370400440532013000" } }, "response": { "status": 200, "headers": {}, "body": { "iban": "US89370400440532013000", "valid": false, "country": null, "formatted": null, "bank": null, "bank_name": null, "bic": null, "checks": { "input": "passed", "country": "failed", "length": "not_checked", "structure": "not_checked", "checksum": "not_checked", "national": "not_checked" }, "issues": [ { "field": "iban", "code": "unsupported_country", "message": "This country prefix is not supported." } ] } } }, { "id": "iban_bad_checksum", "title": "Bad ISO checksum with identifiable bank", "request": { "method": "POST", "path": "/bank", "body": { "iban": "DE89370400440532013001", "deep": true } }, "response": { "status": 200, "headers": { "X-Bank-Edition": "b641e745a23e77e29fc3074931b9df864d3f57386ddd23268373a74d2c668f3b", "X-Bank-Match": "bank" }, "body": { "iban": "DE89370400440532013001", "valid": false, "country": "DE", "formatted": null, "bank": "37040044", "bank_name": "Commerzbank", "bic": "COBADEFFXXX", "checks": { "input": "passed", "country": "passed", "length": "passed", "structure": "passed", "checksum": "failed", "national": "not_checked" }, "issues": [ { "field": "iban", "code": "invalid_checksum", "message": "The IBAN check digits do not match." } ], "deep": { "checksum": "89", "branch": null, "account": "0532013001", "directory": { "edition": "b641e745a23e77e29fc3074931b9df864d3f57386ddd23268373a74d2c668f3b", "country": "DE", "match": "bank" } } } } }, { "id": "iban_bad_national", "title": "Italian CIN fails while ISO checksum passes", "request": { "method": "POST", "path": "/bank", "body": { "iban": "IT65A0542811101000000123456", "deep": true } }, "response": { "status": 200, "headers": { "X-Bank-Edition": "b641e745a23e77e29fc3074931b9df864d3f57386ddd23268373a74d2c668f3b", "X-Bank-Match": "none" }, "body": { "iban": "IT65A0542811101000000123456", "valid": false, "country": "IT", "formatted": null, "bank": "05428", "bank_name": null, "bic": null, "checks": { "input": "passed", "country": "passed", "length": "passed", "structure": "passed", "checksum": "passed", "national": "failed" }, "issues": [ { "field": "iban", "code": "invalid_national_checksum", "message": "The national bank or account check does not match." } ], "deep": { "checksum": "65", "branch": "11101", "account": "000000123456", "directory": { "edition": "b641e745a23e77e29fc3074931b9df864d3f57386ddd23268373a74d2c668f3b", "country": "IT", "match": "none" } } } } }, { "id": "iban_unknown_bank", "title": "Valid checksum with no matching bank record", "request": { "method": "POST", "path": "/bank", "body": { "iban": "DE93999999990000000001", "deep": true } }, "response": { "status": 200, "headers": { "X-Bank-Edition": "b641e745a23e77e29fc3074931b9df864d3f57386ddd23268373a74d2c668f3b", "X-Bank-Match": "none" }, "body": { "iban": "DE93999999990000000001", "valid": true, "country": "DE", "formatted": "DE93 9999 9999 0000 0000 01", "bank": "99999999", "bank_name": null, "bic": null, "checks": { "input": "passed", "country": "passed", "length": "passed", "structure": "passed", "checksum": "passed", "national": "not_supported" }, "issues": [], "deep": { "checksum": "93", "branch": null, "account": "0000000001", "directory": { "edition": "b641e745a23e77e29fc3074931b9df864d3f57386ddd23268373a74d2c668f3b", "country": "DE", "match": "none" } } } } }, { "id": "iban_bic_unavailable", "title": "Known name with unavailable BIC", "request": { "method": "POST", "path": "/bank", "body": { "iban": "MT84TRPE00000000000000000000000", "deep": true } }, "response": { "status": 200, "headers": { "X-Bank-Edition": "b641e745a23e77e29fc3074931b9df864d3f57386ddd23268373a74d2c668f3b", "X-Bank-Match": "bank" }, "body": { "iban": "MT84TRPE00000000000000000000000", "valid": true, "country": "MT", "formatted": "MT84 TRPE 0000 0000 0000 0000 0000 000", "bank": "TRPE", "bank_name": "Truevo Payments Ltd.", "bic": null, "checks": { "input": "passed", "country": "passed", "length": "passed", "structure": "passed", "checksum": "passed", "national": "not_supported" }, "issues": [], "deep": { "checksum": "84", "branch": "00000", "account": "000000000000000000", "directory": { "edition": "b641e745a23e77e29fc3074931b9df864d3f57386ddd23268373a74d2c668f3b", "country": "MT", "match": "bank" } } } } }, { "id": "iban_branch", "title": "Exact branch match", "request": { "method": "POST", "path": "/bank", "body": { "iban": "GB56HBUK40116200000001", "deep": true } }, "response": { "status": 200, "headers": { "X-Bank-Edition": "b641e745a23e77e29fc3074931b9df864d3f57386ddd23268373a74d2c668f3b", "X-Bank-Match": "branch" }, "body": { "iban": "GB56HBUK40116200000001", "valid": true, "country": "GB", "formatted": "GB56 HBUK 4011 6200 0000 01", "bank": "HBUK", "bank_name": "HSBC UK Bank plc", "bic": "HBUKGB4B", "checks": { "input": "passed", "country": "passed", "length": "passed", "structure": "passed", "checksum": "passed", "national": "not_supported" }, "issues": [], "deep": { "checksum": "56", "branch": "401162", "account": "00000001", "directory": { "edition": "b641e745a23e77e29fc3074931b9df864d3f57386ddd23268373a74d2c668f3b", "country": "GB", "match": "branch" } } } } }, { "id": "iban_other_branch", "title": "Another branch must not borrow a BIC", "request": { "method": "POST", "path": "/bank", "body": { "iban": "GB95HBUK99999900000001", "deep": true } }, "response": { "status": 200, "headers": { "X-Bank-Edition": "b641e745a23e77e29fc3074931b9df864d3f57386ddd23268373a74d2c668f3b", "X-Bank-Match": "bank" }, "body": { "iban": "GB95HBUK99999900000001", "valid": true, "country": "GB", "formatted": "GB95 HBUK 9999 9900 0000 01", "bank": "HBUK", "bank_name": "HSBC UK Bank plc", "bic": null, "checks": { "input": "passed", "country": "passed", "length": "passed", "structure": "passed", "checksum": "passed", "national": "not_supported" }, "issues": [], "deep": { "checksum": "95", "branch": "999999", "account": "00000001", "directory": { "edition": "b641e745a23e77e29fc3074931b9df864d3f57386ddd23268373a74d2c668f3b", "country": "GB", "match": "bank" } } } } }, { "id": "us_ach_valid", "title": "Leading zero and case preservation", "request": { "method": "POST", "path": "/bank", "body": { "format": "us_ach", "country": "US", "routing": "021000021", "account": "000a12-34" } }, "response": { "status": 200, "headers": { "Link": "; rel=\"describedby\"; title=\"Routing reference attribution\"" }, "body": { "format": "us_ach", "country": "US", "routing": "021000021", "account": "000a12-34", "valid": true, "bank_name": "JPMORGAN CHASE BANK, NATIONAL ASSOCIATION", "checks": { "routing_format": "passed", "routing_checksum": "passed", "account_format": "passed", "account_checksum": "not_supported" }, "issues": [] } } }, { "id": "us_ach_invalid", "title": "Field-specific routing and account failures", "request": { "method": "POST", "path": "/bank", "body": { "format": "us_ach", "country": "US", "routing": "021000022", "account": "123456789012345678" } }, "response": { "status": 200, "headers": {}, "body": { "format": "us_ach", "country": "US", "routing": "021000022", "account": "123456789012345678", "valid": false, "bank_name": null, "checks": { "routing_format": "passed", "routing_checksum": "failed", "account_format": "failed", "account_checksum": "not_supported" }, "issues": [ { "field": "routing", "code": "invalid_routing_checksum", "message": "The routing-number checksum does not match." }, { "field": "account", "code": "invalid_account_length", "message": "Use at most 17 account characters, excluding spaces and including hyphens." } ] } } }, { "id": "directory_unavailable", "title": "Directory outage is not a negative account verdict", "request": { "method": "POST", "path": "/bank", "body": { "iban": "DE89370400440532013000" }, "headers": { "X-Bank-Fixture": "directory_unavailable" } }, "response": { "status": 503, "headers": {}, "body": { "code": "service_unavailable", "message": "Bank directory temporarily unavailable", "request_id": "bank-fixture", "docs": "https://parseapi.com/docs#service_unavailable" } } } ] }