API Documentation & Features

Enterprise IBAN Validation API for Modern Fintech & Billing

PayeeValidate provides a lightning-fast, edge-native REST API designed to validate International Bank Account Numbers (IBANs) instantly and prevent costly transfer errors, incorrect routing codes, and fraudulent payment misdirection.

Why Integrate an IBAN Validation API?

Accepting or processing international wire transfers without pre-validating bank details leads to severe operational overhead. Bounced SWIFT or SEPA transfers generate heavy bank rejection fees, delayed payouts, and frustrated customers. A robust IBAN validation API verifies account number formatting, country codes, structure rules, and mathematical check digits before money leaves your account or invoices are issued.

Our API runs globally on Cloudflare Workers edge nodes, guaranteeing sub-50ms response times worldwide with zero persistent storage of sensitive payment payloads.

Core Features of the PayeeValidate API

• Global IBAN Format & Structure Verification: Validates lengths, country-specific regex rules, and structural positioning across all official ISO 13616 and SEPA member registries.
• ISO 7064 MOD-97 Checksum Calculation: Applies rigorous algorithmic modulus-97 arithmetic to catch typos, transposed digits, and fabricated numbers instantly.
• German Bank Directory (Bundesbank Data): Resolves Bank Code (BLZ), Bank Name, and BIC directly from authoritative official registry data for Germany.
• Zero IBAN Retention: Designed with strict privacy compliance in mind. IBANs are processed transiently in memory and never logged or stored.

Example API Request

Validating an IBAN via our REST endpoint is straightforward. Simply send a GET or POST request with your API key:

curl -H "X-API-Key: pv_live_..." \
  "https://api.payeevalidate.com/v1/validate?iban=DE89370400440532013000"

Example response format:

GET /v1/validate?iban=DE89370400440532013000

Coverage Honesty

We believe in absolute transparency. Global IBAN validation and structural check digit rules are fully supported for all countries. Bank name and BIC metadata are currently active and comprehensive for Germany (via official Bundesbank data), with expanded direct EU bank directories rolling out throughout 2026. Review our Coverage Matrix for detailed updates.

Frequently Asked Questions

What is the response latency of the API?

Because PayeeValidate executes directly at the edge across 300+ global Cloudflare data centers, typical response times are under 30 milliseconds.

Do you check if the bank account actually exists?

No external API can verify real-time account existence or exact ownership due to strict European banking secrecy and GDPR laws. Our API validates mathematical correctness, formatting, and official bank registry mapping.

How do I get an API key?

API keys are currently distributed to early access members. Join the waitlist to receive your credentials.

Related pages: IBAN Checker | What is an IBAN? | BIC from IBAN