Overview

The AVS Enhancement introduces a more flexible and accurate account verification process for B2B integrations. By leveraging the Account Verification Service (AVS) provided by APS and integrated through SAMA, this enhancement allows retrieval of beneficiary account holder names directly from the beneficiary bank.

This update improves verification reliability, reduces friction in onboarding, and enhances the overall payment experience for clients.

 

Efficiency

  • Eliminates dependency on RTP registration for account verification.
  • Reduces onboarding delays and manual verification steps.
  • Streamlines payment workflows with direct bank-sourced data.

 

Ease of Use

  • Requires only the BIC Code and the IBAN for the beneficiary.
  • Simple JSON-based request and response formats.
  • Seamless integration with existing B2B payment flows.

 

Prerequisites

To use the Account service, you need to do the following:

  • Register/Login to the anb Developer Portal.
  • Create an app.
  • You should now have a client id and secret associated with your app.
  • Get an access token from our auth service using your client id and secret.

 

Request Body Structure
Field Type Required Description
rtpReferenceNumber string Yes Sequence number inserted by the client. Accepts length Alphanumeric up to 35 characters.
receiverBankCode string Yes Receiver's bank identifier (e.g., ARNBSARI)
iban string Yes The Bank Account Number of the receiver.

 

Response Body Structure
Field Type Description
id string UUID for the verification request.
status string Result of the verification (SUCCESS or FAILURE).
benfMaskFlg string Indicates if the beneficiary name is masked (Y or N).
creditorPartyMaskedName string Masked name for display (e.g., "AHME**** M. K. RAEE****").
creditorPartyName string Full name of the beneficiary (if not masked).
rtpRefNum string Echo of the original rtpReferenceNumber.
verifyFlag string Verification result (Y for verified, N for not verified).
msgId string Unique message ID for audit and traceability.

 

Service Status
Stage Description
Request Received API call accepted and logged.
Response Generated Match or No Match status returned

 

Error Codes
Code Description
I000000 Successful Operation.
E798101 IPS RTP Error.
E820002 Beneficiary Data Not Found.
E6500084 Exception occurred in RTP Account Verification.

 

 

API Documentation