Our account validation utilises an industry leading third party validation service. This is split into two parts.
- Modulus checking using their approved modulus check specification. This combines the sort code and account number to check if the account is real.
- Sort code checking using the EISCD specification. This checks against a database of sort codes to gauge what is or is not possible on the account.
The code we use to perform these check is standardised across all our products (with the exception of SD Direct). We try to clearly demarcate which of these checks have been failed. The clearest visualisation of the checks is currently in the account validation tool in Pulse, where we’ve separated the two different validation routines into ‘modulus checking’ and ‘sort code checking’ (see screenshot below).
In order to keep these checks up to date, our third party supplier will routinely provide us updates to the specification that we upload to our database on a date specified by them. This is done by our developers and we track it closely.
Whilst we update this regularly, due to the ever changing nature of bank accounts, there will be occasions where there is a discrepancy in data. It is possible that where we’ve checked against their latest specification correctly, the paying bank accounts status may have changed and now be incorrect. In scenarios where account details are failing validation, assuming our validation service is running correctly and our specifications are up to date, the only course of action is for either us or the customer to take the issue up with our third party directly.
For any further queries regarding our Account Validation, please get in contact with our Customer Support Team on email@example.com or alternatively call on 01276851820.