Endpoint
POST https://requiems.xyz/v1/systems/payment/validate
Validate Payment
Validate and cross-check BIN, IBAN, and SWIFT identifiers in one call. Returns per-field results and a consistency check that flags country and bank mismatches.
Parameters
| Name |
Type |
Required |
Location |
Description |
bin |
string |
no |
body |
Card BIN (first 6–8 digits). At least one of bin, iban, or swift is required. |
iban |
string |
no |
body |
IBAN string to validate. Checksum and format are verified. |
swift |
string |
no |
body |
SWIFT/BIC code to look up institution and country. |
Request Example
{
"bin": "424242",
"iban": "DE89370400440532013000",
"swift": "DEUTDEDB"
}
Response Example
{
"data": {
"bin": {
"valid": true,
"scheme": "visa",
"card_type": "debit",
"card_level": "classic",
"country_code": "US",
"issuer": "JPMorgan Chase",
"prepaid": false,
"luhn_prefix_valid": true
},
"iban": {
"valid": true,
"country_code": "DE",
"bank_code": "37040044",
"account_number": "0532013000"
},
"swift": {
"valid": true,
"institution": "Deutsche Bank",
"country": "DE",
"branch": "Frankfurt"
},
"consistency": {
"ok": false,
"flags": ["country_mismatch_bin_iban"]
}
},
"metadata": {
"timestamp": "2026-01-01T00:00:00Z"
}
}
Response Fields
| Field |
Type |
Description |
bin |
object |
BIN result. Null when bin was not provided. Contains valid, scheme, card_type, card_level, country_code, issuer, prepaid, luhn_prefix_valid. |
iban |
object |
IBAN result. Null when iban was not provided. Contains valid, country_code, bank_code, account_number. |
swift |
object |
SWIFT result. Null when swift was not provided. Contains valid, institution, country, branch. |
consistency.ok |
boolean |
True when no cross-field mismatches were detected |
consistency.flags |
array |
Mismatch flags. Possible values: country_mismatch_bin_iban, country_mismatch_bin_swift, country_mismatch_iban_swift, bank_mismatch_iban_swift |
Errors
undefined 422 — All of bin, iban, and swift were omitted. At least one is required.undefined 401 — Missing or invalid API key
1---
2name: payments-intelligence-post-validate
3api: Payments Intelligence System
4method: POST
5path: /v1/systems/payment/validate
6base_url: https://requiems.xyz
7description: Validate and cross-check BIN, IBAN, and SWIFT identifiers in one call. Returns per-field results and a consistency check that flags country and bank mismatches.
8---
9
10## Endpoint
11
12**POST https://requiems.xyz/v1/systems/payment/validate**
13
14## Validate Payment
15
16Validate and cross-check BIN, IBAN, and SWIFT identifiers in one call. Returns per-field results and a consistency check that flags country and bank mismatches.
17
18## Parameters
19
20| Name | Type | Required | Location | Description |
21| ---- | ---- | -------- | -------- | ----------- |
22| `bin` | string | no | body | Card BIN (first 6–8 digits). At least one of bin, iban, or swift is required. |
23| `iban` | string | no | body | IBAN string to validate. Checksum and format are verified. |
24| `swift` | string | no | body | SWIFT/BIC code to look up institution and country. |
25
26## Request Example
27
28```json
29{
30 "bin": "424242",
31 "iban": "DE89370400440532013000",
32 "swift": "DEUTDEDB"
33}
34```
35
36## Response Example
37
38```json
39{
40 "data": {
41 "bin": {
42 "valid": true,
43 "scheme": "visa",
44 "card_type": "debit",
45 "card_level": "classic",
46 "country_code": "US",
47 "issuer": "JPMorgan Chase",
48 "prepaid": false,
49 "luhn_prefix_valid": true
50 },
51 "iban": {
52 "valid": true,
53 "country_code": "DE",
54 "bank_code": "37040044",
55 "account_number": "0532013000"
56 },
57 "swift": {
58 "valid": true,
59 "institution": "Deutsche Bank",
60 "country": "DE",
61 "branch": "Frankfurt"
62 },
63 "consistency": {
64 "ok": false,
65 "flags": ["country_mismatch_bin_iban"]
66 }
67 },
68 "metadata": {
69 "timestamp": "2026-01-01T00:00:00Z"
70 }
71}
72```
73
74## Response Fields
75
76| Field | Type | Description |
77| ----- | ---- | ----------- |
78| `bin` | object | BIN result. Null when bin was not provided. Contains valid, scheme, card_type, card_level, country_code, issuer, prepaid, luhn_prefix_valid. |
79| `iban` | object | IBAN result. Null when iban was not provided. Contains valid, country_code, bank_code, account_number. |
80| `swift` | object | SWIFT result. Null when swift was not provided. Contains valid, institution, country, branch. |
81| `consistency.ok` | boolean | True when no cross-field mismatches were detected |
82| `consistency.flags` | array<string> | Mismatch flags. Possible values: country_mismatch_bin_iban, country_mismatch_bin_swift, country_mismatch_iban_swift, bank_mismatch_iban_swift |
83
84## Errors
85
86- `undefined` **422** — All of bin, iban, and swift were omitted. At least one is required.
87- `undefined` **401** — Missing or invalid API key
gabrielmoreira