Verification statuses

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

Status	Description	Recommended action
`pending`	The Bank Account IBAN Verification has been initiated.	Wait for the `status` to change.
`inconclusive`	The verification could not be completed (e.g. the Verification of Payee scheme could not be reached or the extraction of the iban from the document was unsuccessful) For more details, refer to the status codes section below.	Initiate a new bank account IBAN verification or try with a different bank account details document.
`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 IBAN 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 IBAN 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

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

Code	Type	Description
BAVL_1000	Platform error	The verification could not be completed due to a technical issue with our provider. Please initiate a new verification later.
BAVL_1001	File issue	Unreadable file or image
BAVL_1002	Verification couldn’t happen	Ineligible: the account is not eligible to the Verification of Payee
BAVL_1105	Issue with extraction	IBAN extraction from document failed.
BAVL_1106	Issue with the extracted IBAN	The IBAN must be from a supported country: AT, BE, HR, CY, EE, FI, FR, DE, GR, IE, IT, LV, LT, LU, MT, NL, PT, SK, SI, ES.
BAVL_1107	Issue with the extracted IBAN	The IBAN does not belong to a SEPAmail DIAMOND member payment service provider.

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, 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_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).