Identity and Security API India

VPA Validation

Verify any UPI Virtual Payment Address (VPA) in real time and return the registered account holder name.

VPA Validation

POST

VPA / UPI Validation API — Verify any UPI Virtual Payment Address (VPA) in real time and return the registered account holder name. Use this for payout pre-validation, KYC, and fraud-prevention workflows before initiating a UPI transfer.

  • Coverage: India
  • Real-time identity and security lookup
  • Structured JSON response
  • POST request with Bearer auth
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Endpoint

POST
https://app.way2api.com/api/v1/upi/vpa_validation

Content-Type: application/json
Authorization: Bearer YOUR_API_KEY

Request Parameters

Parameter Type Required Description
vpa string Yes Virtual Payment Address (UPI ID) to validate, e.g. name@bank.

Request Example

<?php $ch = curl_init(); curl_setopt_array($ch, [ CURLOPT_URL => "https://app.way2api.com/api/v1/upi/vpa_validation", CURLOPT_RETURNTRANSFER => true, CURLOPT_POST => true, CURLOPT_HTTPHEADER => [ "Authorization: Bearer YOUR_API_KEY", "Content-Type: application/json" ], CURLOPT_POSTFIELDS => json_encode([ "vpa" => "name@okhdfcbank" ]) ]); $response = curl_exec($ch); $httpCode = curl_getinfo($ch, CURLINFO_HTTP_CODE); curl_close($ch); $data = json_decode($response, true); print_r($data);
const response = await fetch("https://app.way2api.com/api/v1/upi/vpa_validation", { method: "POST", headers: { "Authorization": "Bearer YOUR_API_KEY", "Content-Type": "application/json" }, body: JSON.stringify({ "vpa": "name@okhdfcbank" }) }); if (!response.ok) { throw new Error(`HTTP error: ${response.status}`); } const data = await response.json(); console.log(data);
curl -X POST https://app.way2api.com/api/v1/upi/vpa_validation \ -H "Authorization: Bearer YOUR_API_KEY" \ -H "Content-Type: application/json" \ -d '{"vpa":"name@okhdfcbank"}'
$.ajax({ url: "https://app.way2api.com/api/v1/upi/vpa_validation", type: "POST", contentType: "application/json", headers: { "Authorization": "Bearer YOUR_API_KEY" }, data: JSON.stringify({ "vpa": "name@okhdfcbank" }), success: function(data) { console.log(data); }, error: function(xhr) { console.error(xhr.responseJSON); } });
const { data } = await axios.post( "https://app.way2api.com/api/v1/upi/vpa_validation", {"vpa":"name@okhdfcbank"}, { headers: { "Authorization": "Bearer YOUR_API_KEY" } } ); console.log(data);
import requests response = requests.post( "https://app.way2api.com/api/v1/upi/vpa_validation", headers={ "Authorization": "Bearer YOUR_API_KEY", "Content-Type": "application/json" }, json={ "vpa": "name@okhdfcbank" } ) print(response.status_code) print(response.json())

Response Example

200 OK Success Response 
{
    "success": true,
    "message": "",
    "data": {
        "order_id": "W2A1739512345abcdef01",
        "result": {
            "vpa": "name@okhdfcbank",
            "account_holder": "Ananya Sharma",
            "name_match_score": "",
            "account_type": "",
            "is_penny_drop": false
        }
    }
}
4xx Error Response 
{
    "success": false,
    "message": "vpa must be a valid Virtual Payment Address (VPA).",
    "data": null
}

Common Response Codes

Code Meaning
200 OK — Request successful
400 Bad Request — Missing or invalid parameters
401 Unauthorized — Invalid or missing API key
429 Too Many Requests — Rate limit exceeded
500 Server Error — Try again later

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