1. Introduction

Account Validation Service (AVS) offered by BillDesk lets merchants pre-define the account from where merchant would want their end customers to complete the transaction. This service ensures that the customer completes the transaction from the account specified by the merchant. Build customized workflows to support, Mutual fund enrollments, Online Credit Card applications, Fixed Deposits & Savings Account opening and many other such use cases.

2. Salient Features

Supported on Multiple Payment methods - Supported on UPI, Debit Cards and Net Banking to power multiple use cases
Plug and play integration - Integration supported across Neo – Full Redirect options and CX+ – Deep API ensuring a consistent experience

3. Orchestration of AVS

AVS can be used with multiple BillDesk workflows. The below table outlines the steps involved in each of these. A detailed explanation of the AVS object is available in the API Explorer section of the BillDesk documentation section and the link to the same has been referenced in the relevant section below:

Workflows

Workflow	API Reference	Steps
Neo – Full Redirect and Ace – SDK	Create Order	• Include the AVS object in the Create Order API request body. • Launch the Neo – Full Redirect/ Ace – SDK. • The transaction will be completed with the requisite checks depending on the payment method (refer to table 2).
CX+ – Deep API	Create Transaction	• Include the AVS object in the Create Transaction API request body. • Provide the relevant page for the customer to complete the payment. • The transaction will be completed with the requisite checks depending on the payment method (refer to table 2).

Workflow

API Reference

Steps

Neo – Full Redirect and Ace – SDK

Create Order

• Include the AVS object in the Create Order API request body.

• Launch the Neo – Full Redirect/ Ace – SDK.

• The transaction will be completed with the requisite checks depending on the payment method (refer to table 2).

CX+ – Deep API

Create Transaction

• Include the AVS object in the Create Transaction API request body.

• Provide the relevant page for the customer to complete the payment.

• The transaction will be completed with the requisite checks depending on the payment method (refer to table 2).

Payment method specific customer journeys

Payment Method	Steps
UPI	1. Customer will be able to open any UPI PSP app and complete the payment.2. Transaction will go through only if the bank account number and IFSC of the account selected to make the payment match the `bank_account.number` and `bank_account.ifsc` parameters passed in the Create Order or Create Transaction APIs.
Debit Card	1. The customer has the option to input any debit card to make the payment.2. The transaction will go through only if the bank account number and IFSC of the account linked to the Debit Card match the `bank_account.number`and `bank_account.ifsc`parameters passed in the Create Order or Create Transaction APIs.
Net Banking	1. The customer has the option to select any bank to make the payment.2. The transaction will go through only if the bank account number of the bank selected matches the `bank_account.number` parameter passed in the Create Order or Create Transaction APIs.

❗️
Important
In the Neo – Full Redirect option, the bank_account.number and bank_account.ifscparameters are mandatory in the AVS object included in the Create Order API.

4. List of banks supporting AVS

Payment Method	Supported Banks
Debit Card	1. Bank of Baroda 2. Bank of India 3. Deutsche Bank 4. ICICI Bank 5. Jammu and Kashmir Bank 6. Kotak Mahindra Bank 7. Standard Chartered Bank
Net Banking	1. AU Small Finance Bank (Retail) 2. Axis Bank (Retail) 3. Bandhan Bank (Retail) 4. Bank of Baroda (Retail & Corporate) 5. Bank of India (Retail & Corporate) 6. Canara Bank (Retail) 7. Capital Small Finance Bank (Retail) 8. City Union Bank (Retail & Corporate) 9. Cosmos Bank (Retail & Corporate) 10. Deutsche Bank (Retail & Corporate) 11. HDFC Bank (Retail) 12. HSBC Retail NetBanking (Retail) 13. ICICI Bank (Retail) 14. IDBI Bank (Retail) 15. IDFC FIRST Bank (Retail) 16. Indian Overseas Bank (Retail & Corporate) 17. IndusInd Bank (Retail) 18. Karur Vysya Bank (Retail & Corporate) 19. Kotak Bank (Retail & Corporate) 20. Punjab & Sind Bank (Retail & Corporate) 21. Punjab National Bank - Retail Banking (Retail) 22. RBL Bank Limited (Retail) 23. Saraswat Bank (Retail & Corporate) 24. Shivalik Small Finance Bank Ltd. (Retail & Corporate) 25. South Indian Bank (Retail & Corporate) 26. Standard Chartered Bank (Retail) 27. State Bank of India (Retail & Corporate) 28. The Surat People’s Co-operative Bank Limited (Retail & Corporate) 29. UCO Bank Retail (Retail) 30. Union Bank of India (Retail & Corporate) 31. Utkarsh Small Finance Bank (Retail & Corporate) 32. Yes Bank Ltd (Retail)
UPI	All domestic banks supported

5. See also

💬
Review the associated workflows
Quick links to access the workflows which support AVS.
Neo – Full Redirect
Ace – SDK
CX+ – Deep API