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POST
/
api
/
v1
/
payments
/
account-enquiry
Validate a destination account
curl --request POST \
  --url https://dev-api-partner.onecluster.co/api/v1/payments/account-enquiry \
  --header 'Authorization: <api-key>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "accountNumber": "0123456789",
  "bankCode": "058"
}
'
{
  "success": true,
  "responseCode": "00",
  "message": "Account validated",
  "data": {
    "accountName": "ADEBAYO JOHNSON",
    "accountNumber": "0123456789",
    "bankCode": "058",
    "bankName": "GTBank",
    "nameEnquirySessionId": "NES-20260325-ABC123"
  }
}

Authorizations

​
Authorization
string
header
required

Your API key, formatted as: ApiKey ubn_sb_your_key_here

  • Sandbox keys start with ubn_sb_
  • Production keys start with ubn_pk_
  • Never use production keys during testing — they will charge real money

Headers

​
X-Correlation-ID
string<uuid>

A UUID v4 you generate to trace this request through our systems. If you don't provide one, we generate it for you. Always include it in support requests — it helps us find your request in logs.

Example:

"7f3a9c21-4e8b-4a12-b6d1-3c8a7f2e1b09"

Body

application/json
​
accountNumber
string
required

Destination account number to validate

​
bankCode
string
required

3-digit CBN bank sort code of the destination bank

Response

Account found — verify the name before proceeding

Standard response wrapper for all successful API calls

​
success
boolean
required

Always true for successful responses

Example:

true

​
responseCode
string
required

00 means success

Example:

"00"

​
message
string
required

Human-readable description of the result

Example:

"Request processed successfully"

​
data
object
required

The actual response data (varies by endpoint)