geowallet
    geowallet
    • Overview
    • Authentication
    • APIs
      • Ledger Balance
        • Get Balance of all ledgers
        • Get Balance for a single currency
      • Create a Quotation
        • quotations
      • Create a Transaction
        • Transaction
      • Transaction Query
        • Transaction Query
      • Transaction Status Webhook
    • Business Transaction API
      • Business to Business (B2B)
        • Transaction
      • Business to Person (B2P)
        • Transaction
      • B2P to mobile wallet
        • Transaction
      • Person to Business (P2B)
        • Transaction
      • Request parameter list
    • Response Codes & Messages
      • Generic Response
      • Beneficiary Validation Responses
      • Quote Response
      • Remit Response
    • Purpose, Source of Funds, and Relationship
      • P2P Purpose for Transaction
      • P2P Source of Funds
      • P2P Relationship
      • Person to Business
      • Business to Person
      • Business to Business
    • Country Specific Parameters list
    • Country Specific Recipient Documents
    • GeoSwift Verify (GSV)
    • About Us

    GeoSwift Verify (GSV)

    GeoSwift Verify (GSV) is a pre-transaction validation service designed to authenticate payment details before a transfer is initiated. It enables sending partners to confirm that the beneficiary’s information—such as full name, bank account number, IBAN, or mobile number (MSISDN)—accurately matches the records held by the receiving financial institution.
    This verification step is essential for enhancing payment success rates, minimizing failed transactions, and mitigating fraud risk.
    Key PointDescription
    Supported Payment InstrumentsGeoSwift Verify supports validation for bank accounts, digital wallets, and cards.
    Global AvailabilityThe service is available worldwide through GeoSwift’s extensive partner network, enabling cross-border beneficiary verification across multiple markets.
    Fraud PreventionGeoSwift onboards partners and integrates verification capabilities to help detect and prevent fraudulent transactions before funds are transferred.
    Target UsersDesigned for technical teams, business operations, and compliance functions within partner organizations.
    Primary ObjectiveTo increase the success rate of financial transactions by validating beneficiary details in advance—enhancing trust, reducing errors, and strengthening confidence in the payment ecosystem.
    URL
    http://uat-api.geowallets.com/api/v1/verify

    Request Parameters#

    ParameterDescriptionData typeRequirementField Length
    instrumentTypeInstrument type shall be Bank, Card, WalletStringMandatory1-50
    countryISO Alpha 2 country code of the destination country. Eg. NG for Nigeria. Mandatory for all countries except SEPA countries.StringMandatory2
    bankCodeBank Code is specific to a destination Country. It is the IFSC code for India and Swift BIC for all other countries. Mandatory for all countries except SEPA and other IBAN supported countries.StringConditional4-25
    bankNameFull name of the beneficiary bank must be provided when the account number is passed, when IBAN is provided, then bank name is not mandatory for SEPA. Note: Requirement based on the payout country.StringConditional4-60
    bankSubCodeThis code indicates the branch code/routing number/bank subcode of a specific bank to which the transaction is to be sent. It is mandatory based on the payout country.StringConditional1-11
    paymentRefBeneficiary bank account or IBAN number or card number or Beneficiary mobile number with country code, etc. E.g., 2365417895 or AT483200000012345864 or +883432573478 or 4450230056769834 or encrypted card number using RSA/ECB/OAEPWithSHA-256AndMGF1Padding algorithmStringMandatory1-50
    idTypeThe ID type of a Legal Entity. Example: LEI, Registration Number, etc. Relevant only for SEPA, where a verification can be done based on a Legal Entity ID number.StringConditional10-18
    idNumberThe ID number of the Legal Entity. Example: LEI, Registration Number, etc. Relevant only for SEPA, where a verification can be done based on a Legal Entity ID number.StringConditional4-256

    Response Parameters#

    ParameterDescriptionData type
    nameMatchIndicates whether the beneficiary name matches the account holder's name. Possible status codes are: MTCH/CMTC/NMTC/NOAP.String
    accountMatchIndicates the status of the account. If Match, the account can receive funds; otherwise, it cannot. Possible status codes are: MTCH/NMTC/NOAP.String
    statusCodeRepresents the overall status of the verification process.String
    statusMessageHuman-readable message corresponding to the statusCode.String
    verificationIdIndicates the verification id of beneficiary validation request.String
    verificationDateIndicates the validation request date.Timestamp

    Status Code Categories#

    CodeCategoryDefinition
    SMTCHSuccessAccount is valid and name matched (exact match).
    PMTCHSuccessAccount is valid and name is closely/partially matched.
    NMTCHVerification FailedAccount and Name do not match.
    NOSUPSuccessVerification check not possible or Geoswift does not support the specified country.

    Error Codes and Status Messages#

    CodeStatus Message
    GE100A mandatory parameter is missing. Please ensure all required fields are provided.
    GE101One or more fields do not meet the expected length. Please verify and correct them.
    GE102The input provided is invalid. Please check the field values and try again.
    GE103The subscription is inactive. Validation cannot proceed until it is activated.
    GE104No routing found for the request. Please retry later.
    GE105The selected bank is not supported for validation. Please choose a valid bank.
    GE106Directory configuration issue detected. Please contact support for resolution.
    GE107The provided mobile number could not be found. Please check and re-enter.
    GE108The request format is invalid. Please check the structure and required parameters.
    GE109Authentication failed. Please verify credentials and try again.
    GE110The destination country is currently inactive for validation.
    GE111The destination country is under sanctions. Validation is not permitted.
    GE112The specified corridor does not exist.
    GE113The beneficiary's mobile number is blacklisted and cannot be validated.
    GE114The mobile number provided for the beneficiary failed validation.
    GE115Beneficiary KYC not verified at the destination partner hence cannot be validated.
    GE116The beneficiary's mobile number is suspended and cannot be validated.
    GE117The beneficiary's name does not match the records.
    GE118Validation could not be completed due to a timeout at the destination partner. Please retry later.
    GE119Mandatory KYC parameters are missing. Please provide all required details.
    GE120The beneficiary's KYC level is insufficient for validation.
    GE121The beneficiary's KYC verification is pending. Please wait until verification is complete.
    GE122The beneficiary's name is missing. Please provide the full name to proceed.
    GE123The beneficiary is not registered. Please complete registration to proceed.
    GE124Validation is pending. Awaiting callback response from the destination system.
    GE125The beneficiary's account is locked and cannot be validated.
    GE126The beneficiary is not responding to validation requests. Please retry later.
    GE127Validation request timed out at the destination partner. Please try again later.
    GE128The mobile number provided is invalid. Please check and re-enter.
    GE129The beneficiary is barred from receiving transactions. Validation cannot proceed.
    GE130The beneficiary's account is inactive and cannot be validated.
    GE131Provider code is missing. Please provide the required information.
    GE132The provider code does not match the expected operator network. Please verify and try again.
    GE133The UPI ID format is invalid. Please enter a valid UPI ID.
    GE134The IFSC code provided is incorrect. Please verify and try again.
    GE135This is Non-Resident External account, not eligible for validation.
    GE136The account could not be validated.
    GE137Validation failed due to IMPS node failure. Please retry later.
    GE138Unable to process the validation request at this time. Please try again later.
    GE139Received an invalid response code during validation. Please retry.
    GE140The sort code provided is invalid. Please verify and try again.
    GE141Account type is missing or not specified. Please provide the required information.
    GE142The document type provided for the beneficiary is invalid or unsupported.
    GE143The beneficiary does not meet the minimum age requirement for validation.
    GE144The beneficiary has exceeded the allowed amount limit for validation.
    GE145The sender does not comply with the partner's policies. Validation cannot proceed.
    GE146The receiver does not comply with the partner's policies. Validation cannot proceed.
    GE147The sender's country is not supported under the partner's policies.
    GE148The beneficiary has not accepted automatic payments.
    GE149The destination bank is not configured for validation.
    GE150The bank account number is invalid. Please recheck the details.
    GE151Validation timed out at the bank. Please retry later.
    GE152Validation failed at the destination partner. Please verify the partner details.
    GE153The bank sub-code provided is invalid or not recognized.
    GE154The beneficiary's name could not be verified. Please check and try again.
    GE155The PAN provided for the beneficiary is invalid or not found.
    GE156The source partner is inactive. Validation cannot proceed.
    GE157The source partner's validity check failed. Please verify partner credentials.
    GE158The source partner is suspended. Validation is temporarily disabled.
    GE159The source partner is invalid. Please verify the partner details.
    GE160Unable to connect to the destination network.
    GE161Network read timed out. Please retry the request.
    Modified at 2026-03-12 10:41:51
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