Verification statuses

The bank account lookup verification lifecycle is really simple and consists of the following stages:

Status	Description	Recommended action
`pending`	The bank account lookup verification has been initiated.	Wait for the `status` to change.
`inconclusive`	The verification could not be completed (e.g. the SEPAmail DIAMOND service could not be reached). For more details, refer to the status codes section below.	Initiate a new bank account lookup verification.
`verified`	The IBAN have been successfully verified against the holder's details provided.	Proceed with accepting the request that required a bank account's holder's details verification.
`failed`	The bank account lookup verification failed due to certain issues. For more details, refer to the status codes section below.	Reject the request that required a bank account verification. If needed, initiate a new bank account lookup verification.

Status codes

If the verification is inconclusive or failed, the status codes can help diagnose the issue. A verification may include multiple reason codes.

STATUS: inconclusive

ℹ️
Unlike verified or failed statuses, an inconclusive verification does not incur a charge to the client.

STATUS: failed

Code	Type	Description
BALV_1000	Verification couldn’t happen	Sepamail DIAMOND could not process the request.
BALV_1101	Issue with the bank account	Bank account is closed. The PSP has the account in their database, but the account was closed in the past 14 months
BALV_1103	Issue with the bank account	Bank account is non-existent. The PSP doesn't have the account in their database, or the account was closed in the past 14 months
BALV_1104	Issue with the bank account	Bank account is out of scope. The account is not eligible for Sepamail DIAMOND verification
BALV_1200	Issue with the bank account type	The expected holder type differs (natural person / legal person).
BALV_1300	Issue with the SIREN/SERET	The account does not match the provided SIREN/SIRET, possibly due to mergers, groups, or transfers.
BALV_1320	Issue with the SIREN/SERET	Unverifiable SIREN/SIRET — certain accounts (co-ownerships, associations) are ineligible.
BALV_1330	Bank account doesn’t match expected owner	The declared names (first name, last name) do not match the holder's identity. Check and correct spelling for individuals, then retry the verification.
BALV_1400	Issue with company	The company is not in business, thus the bank account check can't be done

📘
To avoid seeing BALV_1400 codes, it is recommended to make sure that company_number is the number of an active, registered company. This is a prerequisite to successfully validate that the bank account exists