POST Check Account

https://api.magmaonepay.com/v1/misc/check-account

Check Account

This endpoint allows you to validate a mobile wallet number or a bank account number before initiating a payout. It ensures the account is reachable and recognized by the corresponding provider.

Use Cases

• Pre-validate recipient account before initiating a transfer.
• Improve user experience by catching errors early.
• Used for both mobile money and bank account channels.

Request Parameters

Field	Type	Required	Description
phone_number	string	Yes, if channel = mobile_money	Mobile money number in international format
account_number	string	Yes, if channel = bank_account	Bank account number
country_code	string	Yes	Country ISO code (e.g. GH, CI)
operator_code	string	Yes	Operator short code (e.g. ECO, MTN_CI)
channel	string	Yes	Either mobile_money or bank_account

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🧪 Test Mode Behavior

In test mode , the validation result is simulated based on the account number format:

For channel = mobile_money

Ends With	Status	Message
01	✅ 200	Account is valid
Any other	❌ 400	Account is not valid

For channel = bank_account

Ends With	Status	Message
300	✅ 200	Account is valid
Any other	❌ 400	Account is not valid

Example:

• +2250100000001 → Valid (mobile money)
• 1222333444300 → Valid (bank account)

---

📥 Example Request (Mobile Money)

POST /v1/misc/check-account
Authorization: Bearer YOUR_TOKEN
Content-Type: application/json

{
  "phone_number": "+2250707000201",
  "country_code": "CI",
  "operator_code": "MTN_CI",
  "channel": "mobile_money"
}

📥 Example Request (Bank Account)

{
  "account_number": "1222333444300",
  "country_code": "GH",
  "operator_code": "ECO",
  "channel": "bank_account"
}

📤 Example Response (Success)

{
  "status": 200,
  "message": "Check account is successful",
  "name": "USER TEST"
}