Verify Account

POST/payment/verify-accountOpen in the API playground →

Info

Use this endpoint to confirm that an account_id exists before routing funds or creating a payment flow around that account.

Request

X-API-Key-IDstringheaderrequired

API key ID assigned to the integration

X-Timestampstringheaderrequired

RFC3339 timestamp used in the HMAC signature

X-Signaturestringheaderrequired

Hex-encoded HMAC-SHA256 of the request

Body Parameters

account_idstringbodyrequired

SmartPay account ID to verify

---

Response

successboolean

Whether the verification request completed successfully

existsboolean

Whether the account exists

messagestring

Verification result message

account_idstring

Echo of the requested account ID

---

Example

Request

cURL

BODY='{"account_id":"acc_12345678"}'
TIMESTAMP='2026-03-10T12:00:00Z'
SIGNATURE=$(printf 'POST\n/api/v1/payment/verify-account\n%s\n%s' "$TIMESTAMP" "$BODY" | openssl dgst -sha256 -hmac "$SMARTPAY_HMAC_SECRET" -hex | sed 's/^.* //')

curl -X POST "https://demo.api.vultlocal.com/api/v1/payment/verify-account" \
  -H "X-API-Key-ID: $SMARTPAY_API_KEY_ID" \
  -H "X-Timestamp: $TIMESTAMP" \
  -H "X-Signature: $SIGNATURE" \
  -H "Content-Type: application/json" \
  -d "$BODY"

Response

200 Exists

{
  "success": true,
  "exists": true,
  "message": "Account verified",
  "account_id": "acc_12345678"
}

400 Invalid

{
  "success": false,
  "error": "Account not found"
}

---

Errors

Status	Code	Description
400	Validation or business error	Invalid payload or account not found
401	HMAC auth error	Missing/invalid X-API-Key-ID, X-Timestamp, or X-Signature
500	Internal error	Server error