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‹Bank Data

Global Bank Verification

Validate international bank accounts worldwide using IBAN or local formats: structure, checksums, bank codes and, where available, account existence and owner confirmation.

Start using PayOS, pay per use. No sales call required.

You KYC the sender. Who checks the recipient?

Know Your Payee: confirm the account belongs to who you think, before the money is gone.

KYC · solved
You know your customer
The sender is verified. Every regulated business already does this.
Who is paying ✓
KYP · the gap
Know your payee
The foreign account is a black box. Wrong digits, closed accounts and swapped details all look identical, until now.
Who is being paid ✓ with PayOS

Four layers of validation, applied per country.

One response across markets, with existence and ownership checks where available.

Structure
Checksums and format rules catch typos first.
Bank codes
SORT, IFSC, BSB, CLABE and more, validated.
Existence
Confirms the account exists and can receive funds, where available.
Owner
Confirms the account owner, where available.
IBAN + local formatsResolved bank name + BICIndividuals & businesses

Full validation, country by country.

One API reaches banks worldwide, validating via IBAN or the local format each market uses.

CoverageFull validation, country by countryBanks reachable worldwide
Plus IBAN countries with structural and checksum validation.

Any corridor. One call.

Same request, same response, whatever format the destination country uses.

🇩🇪
Berlin
IBAN · DE89 3704…
✓Checksum✓Bank resolved✓Owner match
🇮🇳
Mumbai
IFSC · HDFC0001…
✓Format✓Account exists✓Owner match
🇧🇷
São Paulo
Local · agencia + conta
✓Format✓Bank resolved✓Account exists
🇦🇺
Sydney
BSB · 062-000…
✓Format✓Bank resolved✓Owner match
One harmonized response, with existence and ownership confirmation where available.
Without PayOS
You find out after the money has left.
Return fees and FX slippage on failures
Weeks chasing bounced transfers
Changed-details fraud lands unchecked
→
With PayOS
The destination is validated before funds move.
Four checks before funds move
Owner match stops redirection fraud
Every market from one API

Use cases across verticals.

Every flow that sends money across a border validates at entry, then again in flight.

Global payroll & contractors

At entryValidate worker accounts at template save.
In flightPre-flight every pay run.

International B2B

At entryCheck vendor details at onboarding.
In flightPre-flight AP runs before settlement.

Marketplaces & creators

At entryValidate seller accounts at signup.
In flightOwner match cuts misdirected payouts.

Travel & platforms

At entryValidate host and driver accounts anywhere.
In flightRe-check on every bank-detail change.

Lending & remittance

At entryValidate recipient accounts abroad.
In flightConfirm existence before disbursing.

Ecommerce & retail

At entryValidate refund destinations overseas.
In flightConfirm details before withdrawals.

Fewer cross-border failures. Cleaner treasury data.

Validation before funds leave changes the economics of every international payout.

Fewer cross-border failures
Catch errors before funds leave and avoid return fees, FX slippage and long resolution cycles.
Stops payment redirection
Owner confirmation defuses the changed-bank-details email before money moves.
Faster international onboarding
Approve suppliers, contractors and creators in more countries without manual paperwork.
Template hygiene for treasury
Validate at template create or edit; clean templates keep large AP runs clean.
Better compliance data
Resolved bank names and BICs improve sanction screening, tax reporting and audit support.
Resilient when real-time is not
Structural validation always returns; microdeposits or documentary proof fall back by policy.