PicoPayd

PicoPayd

account_balance

IBAN & SWIFT Validator

Operational

Validate IBAN and SWIFT/BIC codes with full bank detail lookup

api API Docs

API Overview

The IBAN & SWIFT Validator API performs rigorous validation of international banking identifiers. For IBANs, it checks the country-specific format, runs the ISO 13616 modulo-97 checksum, and extracts the bank and branch codes. For SWIFT/BIC codes, it validates the 8 or 11-character structure and looks up the associated bank name, country, city, and address. Prevents costly wire transfer failures before they happen.

verified

ISO 13616 Checksum

Runs the modulo-97 algorithm for 76 country formats to catch typos before transfer.

account_balance

Bank Detail Lookup

Returns bank name, BIC, and address from any valid IBAN or SWIFT code.

lock

Secure & Compliant

No data is stored — validation runs statelessly at the edge for every request.

bolt

Prevents Failed Transfers

Catch invalid identifiers before submission to avoid costly rejected wire fees.

integration_instructions API Reference
data_object openapi.json open_in_new Swagger UI

terminal API Playground

Live Simulation 
import requests

url = "https://api.picopayd.codefission.co.uk/banking/api/validate/iban"
headers = {
    "Content-Type": "application/json",
    "X-PAYMENT": "<402-payment-token>"
}
payload = {
    "iban": "GB29NWBK60161331926819"
}

response = requests.post(url, json=payload, headers=headers)
print(response.json())
Response Body 200 OK 
{
  "valid": true,
  "iban": "GB29NWBK60161331926819",
  "country": "GB",
  "bankCode": "NWBK",
  "bban": "60161331926819",
  "bank": {
    "name": "NatWest",
    "bic": "NWBKGB2L"
  }
}

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