Secure Payments API – Lookup/Verify Routing Number
General
You can lookup and verify bank information from a routing number. Authentication can be through either a combination of authorization and secret or a single OBO token.
How To
There are two methods to get a routing number. Both methods will require sending a GET request to the following endpoint:
GET https://securepayments.loanpro.io/api/routing-number/verify/{number}Replace {number} with the routing number you want to test.
Method 1: Authorization and Secret
This request works like most GET requests in Secure Payments: Include your typical authorization and secret, but leave the body empty. Here's an example of a cURL request:
curl -X GET --header 'Accept: application/json' --header 'authorization: YOUR AUTH' --header 'secret: YOUR SECRET'
'https://securepayments.loanpro.io/api/routing-number/verify/124302150'
Method 2: OBO Token
Users can do this as well, but this method exists for the benefit of the iFrame that creates payment profiles. The iFrame isn't aware of your token or secret, but it does know the OBO token and can use it. Leave your header empty and expand your endpoint with the OBO token:
curl -X GET 'https://securepayments.loanpro.io/api/routing-number/verify/124302150?token=YOUR-OBO-TOKEN'
Responses
Whatever method you used, the response should look the same. If the routing number is legitimate, you'll get a 200 message with the name of the bank and some other information:
{
"name": "AMERICA FIRST FEDERAL CREDIT UNION",
"code": 200,
"rn": "324377516",
"message": "OK"
}A phony routing number will also yield a 200 response, but this one will say "Unspecified" instead of listing the bank:
{
"name": "Unspecified",
"code": 200,
"rn": "1555524002971",
"message": "OK"
}