From f3409b039f84406525ca7afb1e0b64f212f7296f Mon Sep 17 00:00:00 2001 From: "github-actions[bot]" <41898282+github-actions[bot]@users.noreply.github.com> Date: Fri, 23 Oct 2026 22:31:55 +0000 Subject: [PATCH 1/2] chore(spec): sync API spec 2026-10-23 --- openapi/SOURCE.json | 6 +- openapi/verification.json | 973 ++++++++++++++++++ src/didit/resources/__init__.py | 13 + src/didit/resources/bank.py | 208 ++++ src/didit/types/__init__.py | 65 ++ src/didit/types/bank/__init__.py | 1 + src/didit/types/bank/account_check_params.py | 62 ++ .../bank_account_check_business_holder.py | 13 + .../components/bank_account_check_holder.py | 13 + .../bank_account_check_person_holder.py | 13 + .../components/bank_account_check_response.py | 29 + .../components/bank_verification_result.py | 281 +++++ .../types/components/session_decision.py | 4 + tests/generated/test_bank.py | 48 + 14 files changed, 1726 insertions(+), 3 deletions(-) create mode 100644 src/didit/resources/bank.py create mode 100644 src/didit/types/bank/__init__.py create mode 100644 src/didit/types/bank/account_check_params.py create mode 100644 src/didit/types/components/bank_account_check_business_holder.py create mode 100644 src/didit/types/components/bank_account_check_holder.py create mode 100644 src/didit/types/components/bank_account_check_person_holder.py create mode 100644 src/didit/types/components/bank_account_check_response.py create mode 100644 src/didit/types/components/bank_verification_result.py create mode 100644 tests/generated/test_bank.py diff --git a/openapi/SOURCE.json b/openapi/SOURCE.json index 4a506cc..119d32f 100644 --- a/openapi/SOURCE.json +++ b/openapi/SOURCE.json @@ -1,13 +1,13 @@ { "verification.json": { "url": "https://docs.didit.me/openapi-25.json", - "sha256": "9ada6192b24a5d85e983e57e87fccb6e762d74060b6f0b892928356dd432137c", - "fetched_at": "2026-10-23T06:48:12Z" + "sha256": "da776b2226bd264797268988b179f37b906c0b2e4953a16111c0d4296c89fcd4", + "fetched_at": "2026-10-23T22:31:09Z" }, "account.json": { "url": "https://docs.didit.me/openapi-auth.json", "sha256": "5fafb88b306ab60c7c105b0bf00fa2a6a49b5d2ca8115eb003b332f073844b39", - "fetched_at": "2026-10-23T06:48:12Z" + "fetched_at": "2026-10-23T22:31:09Z" }, "webhook-vectors.json": { "generator": "product-automations scripts/server-sdks/make_vectors.py (seeded 2026-10-17)", diff --git a/openapi/verification.json b/openapi/verification.json index 73528cc..a3d5eea 100644 --- a/openapi/verification.json +++ b/openapi/verification.json @@ -15542,6 +15542,285 @@ ] } }, + "/v3/bank/account-check/": { + "post": { + "summary": "Check a bank account", + "description": "Check that a bank account belongs to the person or company you name, before you send money to it. No session and no sign-in: send the name and the account, read the result. It is the [account check](/core-technology/bank-verification/account-check) of the Bank Verification step, run from your backend.\n\n**What you send.** The account's `country` (ISO 3166-1 alpha-3), the `account` the way that country writes it, and the `holder` name: `full_name` for a person or `business_name` for a company. A business name checks a business account.\n\n**What you get back.** `result` is `match`, `close_match`, `no_match` or `cannot_verify`. On a `close_match`, `holder_name` is the name the bank holds the account under, when the bank returned it. `account` comes back masked to its last 4 characters.\n\n**Billing.** Each check the bank answers is billed once at the Account check price of the account's country, whatever the result: a `no_match`, an account that does not exist and a `cannot_verify` are billed too. A request answered with an error is never billed.\n\n**Every request is a new check.** There is no idempotency key and no endpoint to read a check back, so a retried request runs, and is billed, again. Store the response.\n\n**Sandbox.** A sandbox key calls no bank and is charged nothing. The last 4 characters of the IBAN, else of the account number, choose the answer: `0001` a `close_match` with a `holder_name`, `0002` a `close_match` without one, `0003` and `0006` a `no_match`, `0004` `cannot_verify`, `0005` a `503` and `0009` a `400`. Any other ending is a `match`.\n\n**API keys.** A scoped API key needs write access to sessions.", + "operationId": "post_v3_bank_account_check", + "tags": [ + "Standalone APIs" + ], + "x-didit-sdk": { + "resource": "bank", + "method": "account_check", + "auth": "api_key", + "server": true + }, + "security": [ + { + "ApiKeyAuth": [] + }, + { + "BearerAuth": [] + } + ], + "requestBody": { + "required": true, + "content": { + "application/json": { + "schema": { + "$ref": "#/components/schemas/BankAccountCheckRequest" + }, + "examples": { + "Person, United Kingdom": { + "summary": "A sort code and account number, checked against a person's name", + "value": { + "country": "GBR", + "account": { + "sort_code": "20-45-67", + "account_number": "31926819" + }, + "holder": { + "full_name": "Maria Oliveira" + }, + "vendor_data": "payout_20481" + } + }, + "Company, IBAN": { + "summary": "An IBAN, checked against a company's name", + "value": { + "country": "DEU", + "account": { + "iban": "DE89 3704 0044 0532 0130 00" + }, + "holder": { + "business_name": "Northwind Trading GmbH" + } + } + } + } + } + } + }, + "responses": { + "200": { + "description": "The bank answered. The check is billed, whatever the result.", + "content": { + "application/json": { + "schema": { + "$ref": "#/components/schemas/BankAccountCheckResponse" + }, + "examples": { + "Close match": { + "summary": "The bank holds the account under a close name", + "value": { + "request_id": "c2f4a9e0-7b1d-4c3a-9e55-1d0a6b8f2a47", + "result": "close_match", + "holder_name": "MARIA R OLIVEIRA", + "account": "****6819", + "vendor_data": "payout_20481", + "created_at": "2026-10-21T14:32:08Z" + } + }, + "Match": { + "summary": "The bank holds the account under the name sent", + "value": { + "request_id": "5b0e2d7c-41a8-4f6e-9c3b-8e7d1a2f6c90", + "result": "match", + "holder_name": null, + "account": "****3000", + "vendor_data": null, + "created_at": "2026-10-21T14:35:41Z" + } + } + } + } + } + }, + "400": { + "description": "Refused as sent, and not billed. `field` names the body field to correct and `reason` says why, with the same reasons the hosted account form shows. Only the first refused field is reported.", + "content": { + "application/json": { + "schema": { + "$ref": "#/components/schemas/BankAccountCheckError" + }, + "examples": { + "Missing field": { + "summary": "The country's check needs a sort code", + "value": { + "detail": "The sort code is not valid (required).", + "code": "invalid_account_input", + "field": "account.sort_code", + "reason": "required" + } + }, + "Invalid IBAN": { + "summary": "The IBAN has the wrong length for its country", + "value": { + "detail": "The iban is not valid (length).", + "code": "invalid_account_input", + "field": "account.iban", + "reason": "length" + } + }, + "Refused by the bank": { + "summary": "The bank refused the account as sent", + "value": { + "detail": "The account was refused as typed (rejected).", + "code": "invalid_account_input", + "field": "account.account_number", + "reason": "rejected" + } + }, + "No name": { + "summary": "`holder` has neither `full_name` nor `business_name`", + "value": { + "detail": "Send full_name for a person or business_name for a company.", + "code": "invalid_account_input", + "field": "holder", + "reason": "required" + } + } + } + } + } + }, + "401": { + "description": "The scoped API key has expired.", + "content": { + "application/json": { + "schema": { + "$ref": "#/components/schemas/BankAccountCheckError" + }, + "examples": { + "Expired key": { + "summary": "The key's expiry date has passed", + "value": { + "detail": "This API key has expired." + } + } + } + } + } + }, + "402": { + "description": "The check cannot be paid for, so it did not run. Top up your balance, then send it again.", + "content": { + "application/json": { + "schema": { + "$ref": "#/components/schemas/BankAccountCheckError" + }, + "examples": { + "Out of credit": { + "summary": "Your balance cannot cover one check", + "value": { + "detail": "You don't have enough credits to perform this request. Please top up at https://business.didit.me", + "code": "insufficient_credits" + } + }, + "Not in your contract": { + "summary": "Your contract has no price for the Account check API", + "value": { + "detail": "Your contract does not price the Account check API. Contact your account manager.", + "code": "contract_rate_missing" + } + } + } + } + } + }, + "403": { + "description": "The `x-api-key` header or the bearer token is missing or invalid, the request came from an address outside the key's IP list, or a scoped key has no write access to sessions.", + "content": { + "application/json": { + "schema": { + "$ref": "#/components/schemas/BankAccountCheckError" + }, + "examples": { + "Missing or invalid credentials": { + "summary": "No valid API key or token", + "value": { + "detail": "You do not have permission to perform this action." + } + }, + "No sessions write": { + "summary": "A scoped key without write access to sessions", + "value": { + "detail": "This API key has no write access to sessions." + } + } + } + } + } + }, + "404": { + "description": "No account check serves this account yet, so nothing was checked or billed. `country_not_covered`: none serves its country, or its kind of account (person or business) there. `bank_not_covered`: none serves its bank. `bank_verification_not_available`: Bank Verification is not available yet.", + "content": { + "application/json": { + "schema": { + "$ref": "#/components/schemas/BankAccountCheckError" + }, + "examples": { + "Country not covered": { + "summary": "No account check serves the country", + "value": { + "detail": "No account check serves this country yet.", + "code": "country_not_covered" + } + }, + "Bank not covered": { + "summary": "No account check serves the account's bank", + "value": { + "detail": "No account check serves this account's bank yet.", + "code": "bank_not_covered" + } + } + } + } + } + }, + "429": { + "$ref": "#/components/responses/RateLimitedWrite" + }, + "503": { + "description": "The bank could not answer. Nothing was checked or billed; send the check again later.", + "content": { + "application/json": { + "schema": { + "$ref": "#/components/schemas/BankAccountCheckError" + }, + "examples": { + "Unavailable": { + "summary": "The bank did not answer", + "value": { + "detail": "The account check is temporarily unavailable and this request was not charged. Please try again.", + "code": "account_check_unavailable" + } + } + } + } + } + } + }, + "x-codeSamples": [ + { + "lang": "curl", + "label": "curl", + "source": "curl -X POST https://verification.didit.me/v3/bank/account-check/ \\\n -H 'x-api-key: YOUR_API_KEY' \\\n -H 'Content-Type: application/json' \\\n -d '{\n \"country\": \"GBR\",\n \"account\": {\"sort_code\": \"20-45-67\", \"account_number\": \"31926819\"},\n \"holder\": {\"full_name\": \"Maria Oliveira\"},\n \"vendor_data\": \"payout_20481\"\n }'" + }, + { + "lang": "python", + "label": "Python", + "source": "import os, requests\n\nresp = requests.post(\n \"https://verification.didit.me/v3/bank/account-check/\",\n headers={\"x-api-key\": os.environ[\"DIDIT_API_KEY\"]},\n json={\n \"country\": \"GBR\",\n \"account\": {\"sort_code\": \"20-45-67\", \"account_number\": \"31926819\"},\n \"holder\": {\"full_name\": \"Maria Oliveira\"},\n \"vendor_data\": \"payout_20481\",\n },\n timeout=30,\n)\nresp.raise_for_status()\ncheck = resp.json()\nif check[\"result\"] == \"match\":\n pass # send the payout\nelif check[\"result\"] == \"close_match\":\n print(check[\"holder_name\"]) # the name the bank holds, when it returned one" + }, + { + "lang": "javascript", + "label": "JavaScript", + "source": "const res = await fetch('https://verification.didit.me/v3/bank/account-check/', {\n method: 'POST',\n headers: {\n 'x-api-key': process.env.DIDIT_API_KEY,\n 'Content-Type': 'application/json',\n },\n body: JSON.stringify({\n country: 'GBR',\n account: { sort_code: '20-45-67', account_number: '31926819' },\n holder: { full_name: 'Maria Oliveira' },\n vendor_data: 'payout_20481',\n }),\n});\nconst check = await res.json();\n// check.result: match, close_match, no_match or cannot_verify" + } + ] + } + }, "/v3/email/send/": { "post": { "summary": "Send Email Code", @@ -92013,6 +92292,14 @@ } } }, + "bank_verifications": { + "type": "array", + "nullable": true, + "description": "Bank Verification results, one item per Bank Verification step, for User and Business Verification. `null` until a step produces one. Each item's `method` says how the account was verified: `open_banking` (bank sign-in) or `account_lookup` (account check), or a `microdeposits` or `statement` fallback. See [Bank verification methods](/core-technology/bank-verification/verification-methods).", + "items": { + "$ref": "#/components/schemas/BankVerificationResult" + } + }, "signatures": { "type": "array", "description": "Electronic Signature results, one item per signer and signature step, for User and Business Verification. Present only when the workflow has an Electronic Signature step; an empty array until a signer reaches it. See the [Electronic Signature report](/core-technology/electronic-signature/report-electronic-signature).", @@ -103652,6 +103939,692 @@ "format": "date-time" } } + }, + "BankAccountCheckHolder": { + "description": "The name the account is checked against. Send exactly one of `full_name` and `business_name`.", + "oneOf": [ + { + "$ref": "#/components/schemas/BankAccountCheckPersonHolder" + }, + { + "$ref": "#/components/schemas/BankAccountCheckBusinessHolder" + } + ] + }, + "BankAccountCheckRequest": { + "type": "object", + "required": [ + "country", + "account", + "holder" + ], + "properties": { + "country": { + "type": "string", + "minLength": 3, + "maxLength": 3, + "description": "The account's country, as an ISO 3166-1 alpha-3 code, for example `GBR`. Lowercase is accepted.", + "example": "GBR" + }, + "account": { + "type": "object", + "description": "The account the way its country writes it: an `iban`, or an `account_number` with the bank or branch code the country needs (`sort_code`, `routing_number`, `transit_institution`, `bsb`, `ifsc`, `bank_code` or `bic`). Mexico takes a `clabe` and Argentina a `cbu_cvu`, which already name the bank. A business account adds a `registration_id` where the country asks for one. Spaces, dashes and dots are ignored. Keys the country's check does not use are ignored; a key it needs and does not get is a `400` that names it.", + "properties": { + "iban": { + "type": "string", + "maxLength": 64, + "description": "The IBAN, in a country that uses IBANs. It must belong to `country`." + }, + "account_number": { + "type": "string", + "maxLength": 64, + "description": "The account number, in a country that writes the account with a separate bank or branch code." + }, + "sort_code": { + "type": "string", + "maxLength": 64, + "description": "United Kingdom: the 6-digit sort code." + }, + "routing_number": { + "type": "string", + "maxLength": 64, + "description": "United States: the 9-digit ABA routing number." + }, + "transit_institution": { + "type": "string", + "maxLength": 64, + "description": "Canada: the 8-digit transit and institution number." + }, + "bsb": { + "type": "string", + "maxLength": 64, + "description": "Australia: the 6-digit BSB." + }, + "ifsc": { + "type": "string", + "maxLength": 64, + "description": "India: the 11-character IFSC." + }, + "bank_code": { + "type": "string", + "maxLength": 64, + "description": "The bank's code, where the country needs one, for example in Nigeria." + }, + "bic": { + "type": "string", + "maxLength": 64, + "description": "The bank's BIC, where the country's check asks for one." + }, + "clabe": { + "type": "string", + "maxLength": 64, + "description": "Mexico: the 18-digit CLABE. It already names the bank." + }, + "cbu_cvu": { + "type": "string", + "maxLength": 64, + "description": "Argentina: the 22-digit CBU or CVU. It already names the bank." + }, + "registration_id": { + "type": "string", + "maxLength": 64, + "description": "A business account's registration number, where the country asks for one." + } + }, + "additionalProperties": { + "type": "string", + "maxLength": 64 + }, + "example": { + "sort_code": "20-45-67", + "account_number": "31926819" + } + }, + "holder": { + "$ref": "#/components/schemas/BankAccountCheckHolder" + }, + "vendor_data": { + "type": "string", + "nullable": true, + "description": "Your own reference for this check, returned unchanged.", + "example": "payout_20481" + } + } + }, + "BankAccountCheckResponse": { + "type": "object", + "required": [ + "request_id", + "result", + "holder_name", + "account", + "vendor_data", + "created_at" + ], + "properties": { + "request_id": { + "type": "string", + "format": "uuid", + "description": "The ID of this check." + }, + "result": { + "type": "string", + "enum": [ + "match", + "close_match", + "no_match", + "cannot_verify" + ], + "description": "`match`: the bank holds the account under the name you sent. `close_match`: under a close name, for example a missing middle name or a typo. `no_match`: under another name, or there is no such account. `cannot_verify`: the bank answered without comparing the name, for example for a blocked or closed account." + }, + "holder_name": { + "type": "string", + "nullable": true, + "description": "Only on a `close_match`, and only when the bank returned it: the name on the account, as the bank holds it. `null` otherwise." + }, + "account": { + "type": "string", + "description": "The account, masked to its last 4 characters." + }, + "vendor_data": { + "type": "string", + "nullable": true, + "description": "Your own reference, as you sent it." + }, + "created_at": { + "type": "string", + "format": "date-time", + "description": "When the check ran, in UTC." + } + } + }, + "BankAccountCheckError": { + "type": "object", + "required": [ + "detail" + ], + "properties": { + "detail": { + "type": "string", + "description": "What went wrong, in English." + }, + "code": { + "type": "string", + "description": "A stable code to branch on. Absent on `401` and `403`." + }, + "field": { + "type": "string", + "description": "`400` only: the body field to correct, as a dotted path, for example `account.sort_code`." + }, + "reason": { + "type": "string", + "enum": [ + "required", + "length", + "format", + "checksum", + "country_mismatch", + "rejected" + ], + "description": "`400` only: why the field was refused. `required`, `length`, `format`, `checksum` and `country_mismatch` (an IBAN of another country) are Didit's own checks; `rejected` means the bank refused the account as sent." + } + } + }, + "BankVerificationResult": { + "type": "object", + "description": "One Bank Verification step's result, for User and Business Verification. `method` says how the account was verified. See [Bank verification methods](/core-technology/bank-verification/verification-methods).", + "properties": { + "schema_version": { + "type": "integer", + "description": "Version of this result shape. `1` today." + }, + "bank_verification_id": { + "type": "string", + "format": "uuid", + "description": "The ID of this result." + }, + "node_id": { + "type": "string", + "description": "The workflow node this result belongs to." + }, + "status": { + "type": "string", + "enum": [ + "Not Finished", + "Approved", + "Declined", + "In Review", + "Expired" + ], + "description": "The step's verdict, after its actions and status rules." + }, + "original_status": { + "type": "string", + "nullable": true, + "description": "The first verdict the step reached, before any later change such as a manual review." + }, + "method": { + "type": "string", + "nullable": true, + "enum": [ + "open_banking", + "account_lookup", + "microdeposits", + "statement" + ], + "description": "How the account was verified: `open_banking` (bank sign-in: the person signed in at their bank), `account_lookup` (account check: the person typed the account details and the bank confirmed the name), `microdeposits` or `statement` (a statement upload). `null` until an account is evaluated. Workflow rules read the same value as `bank.method`." + }, + "provider": { + "type": "string", + "nullable": true, + "description": "The key of the route that ran the connection. Read `method`, not this key, to tell how the account was verified." + }, + "credential_source": { + "type": "string", + "nullable": true, + "enum": [ + "native", + "byok" + ], + "description": "`native`: Didit's own route, billed to your Didit balance. `byok`: a marketplace provider you connected with your own credentials." + }, + "route": { + "type": "object", + "nullable": true, + "description": "The route chosen before consent. It never changes afterwards.", + "properties": { + "provider_key": { + "type": "string", + "nullable": true, + "description": "The route's key." + }, + "credential_source": { + "type": "string", + "enum": [ + "native", + "byok" + ] + }, + "is_fallback": { + "type": "boolean", + "description": "Whether Didit's own route stood in for a marketplace provider that could not connect." + }, + "provider_connection_id": { + "type": "string", + "nullable": true, + "description": "The marketplace connection used, for `byok`." + }, + "requested_scopes": { + "type": "array", + "items": { + "type": "string" + }, + "description": "The data the connection asked for, for example `ownership` or `balances`." + } + } + }, + "connection": { + "type": "object", + "nullable": true, + "description": "The latest attempt's connection. `null` before the first attempt.", + "properties": { + "status": { + "type": "string", + "enum": [ + "pending", + "connected", + "cancelled", + "timeout", + "failed", + "unsupported", + "revoked", + "expired" + ] + }, + "institution_id": { + "type": "string", + "nullable": true, + "description": "The bank's ID. `null` for an account check, where no bank is picked." + }, + "institution_name": { + "type": "string", + "nullable": true, + "description": "The bank's name. `null` for an account check." + }, + "institution_country": { + "type": "string", + "nullable": true, + "description": "The account's country, ISO 3166-1 alpha-3." + }, + "oauth": { + "type": "boolean", + "nullable": true, + "description": "Whether the bank sign-in ran over OAuth or app-to-app. `null` for an account check." + }, + "connected_at": { + "type": "string", + "format": "date-time", + "nullable": true, + "description": "When the connection succeeded." + }, + "consent_expires_at": { + "type": "string", + "format": "date-time", + "nullable": true, + "description": "When the bank consent ends, for bank sign-in." + }, + "last_refreshed_at": { + "type": "string", + "format": "date-time", + "nullable": true, + "description": "When the financial data was last read again." + }, + "attempts": { + "type": "integer", + "description": "The attempts the person spent on this step, every method together." + }, + "reason_code": { + "type": "string", + "nullable": true, + "description": "Why the connection is not simply `connected`, for example `USER_CANCELLED`, `INSTITUTION_DOWN`, `ACCOUNT_NOT_FOUND`, `REFERENCE_IDENTITY_MISSING` or `VERIFICATION_COMPLETED`." + } + } + }, + "account": { + "type": "object", + "nullable": true, + "description": "The evaluated account. `null` until an account is evaluated.", + "properties": { + "account_id_masked": { + "type": "string", + "nullable": true, + "description": "The account number, masked." + }, + "iban_masked": { + "type": "string", + "nullable": true, + "description": "The IBAN, masked." + }, + "sort_code": { + "type": "string", + "nullable": true, + "description": "The sort code, in the United Kingdom." + }, + "routing_number_masked": { + "type": "string", + "nullable": true, + "description": "The routing number, masked." + }, + "type": { + "type": "string", + "nullable": true, + "enum": [ + "checking", + "current", + "savings", + "business", + "other" + ] + }, + "subtype": { + "type": "string", + "nullable": true, + "description": "The bank's own account subtype." + }, + "currency": { + "type": "string", + "nullable": true, + "description": "ISO 4217 currency of the account." + }, + "holder_type": { + "type": "string", + "nullable": true, + "enum": [ + "person", + "business", + "unknown" + ] + }, + "holders_count": { + "type": "integer", + "nullable": true + }, + "is_joint": { + "type": "boolean", + "nullable": true + }, + "is_business": { + "type": "boolean", + "nullable": true + } + } + }, + "ownership": { + "type": "object", + "nullable": true, + "description": "How the account holder compared with the verified identity. `null` until an account is evaluated.", + "properties": { + "result": { + "type": "string", + "enum": [ + "match", + "partial_match", + "no_match", + "unknown", + "not_verifiable" + ], + "description": "`partial_match` is a close match. `not_verifiable`: the bank answered with no holder to compare. `unknown`: the evidence could not be read, or there was no identity to compare." + }, + "reference_identity_source": { + "type": "string", + "nullable": true, + "description": "The step whose identity the holder was compared against: `kyc`, `database_validation`, `expected_details`, `questionnaire`, `document_ai` or `kyb`." + }, + "name_score": { + "type": "integer", + "minimum": 0, + "maximum": 100, + "nullable": true, + "description": "Didit's holder name score." + }, + "provider_name_score": { + "type": "integer", + "minimum": 0, + "maximum": 100, + "nullable": true, + "description": "The bank's own holder name score, when it returned one." + }, + "address_score": { + "type": "integer", + "minimum": 0, + "maximum": 100, + "nullable": true, + "description": "The holder address score, when address matching ran." + }, + "email_score": { + "type": "integer", + "minimum": 0, + "maximum": 100, + "nullable": true, + "description": "The holder email score, when email matching ran." + }, + "phone_score": { + "type": "integer", + "minimum": 0, + "maximum": 100, + "nullable": true, + "description": "The holder phone score, when phone matching ran." + }, + "dob_score": { + "type": "integer", + "minimum": 0, + "maximum": 100, + "nullable": true, + "description": "The holder date of birth score, when the bank shared one." + }, + "close_match": { + "type": "boolean", + "nullable": true, + "description": "Whether the name landed in the close-match band." + }, + "holder_confirmation": { + "type": "string", + "nullable": true, + "enum": [ + "pending", + "confirmed", + "rejected" + ], + "description": "The person's answer when asked to confirm a close-match name. `null` when never asked." + }, + "method": { + "type": "string", + "nullable": true, + "enum": [ + "exact", + "token_set", + "nickname", + "transliteration", + "fuzzy", + "provider_only", + "microdeposits" + ], + "description": "Which name comparison produced the score. This is not the verification method: read the top-level `method` for that." + }, + "matched_holder_index": { + "type": "integer", + "nullable": true + }, + "holders": { + "type": "array", + "items": { + "type": "object" + }, + "description": "Each holder the bank listed, with its scores." + }, + "owner_identity_available": { + "type": "boolean", + "nullable": true + }, + "evidence_freshness": { + "type": "string", + "nullable": true, + "enum": [ + "live", + "cached", + "refreshed" + ] + }, + "evaluated_at": { + "type": "string", + "format": "date-time", + "nullable": true, + "description": "When the verdict was computed." + } + } + }, + "financial_data": { + "type": "object", + "description": "The financial data the step read. Only bank sign-in reads it.", + "properties": { + "balances": { + "type": "object", + "nullable": true, + "description": "With the `balances` scope." + }, + "transactions": { + "type": "object", + "nullable": true, + "description": "With the `transactions` scope." + }, + "income": { + "type": "object", + "nullable": true, + "description": "With the `income` scope." + }, + "categorization": { + "type": "object", + "nullable": true, + "description": "Didit's categorization of the transactions read. `null` without them." + }, + "not_collected": { + "type": "array", + "items": { + "type": "string", + "enum": [ + "balances", + "income", + "transactions" + ] + }, + "description": "The data the step asked for that the method which verified the account does not collect. Balances, transactions and income come from bank sign-in only, so an account verified by account check lists them here. Never a failure. Empty otherwise." + } + } + }, + "billing": { + "type": "object", + "nullable": true, + "properties": { + "route": { + "type": "string", + "enum": [ + "native", + "byok" + ] + }, + "billed": { + "type": "boolean" + }, + "marketplace_fee": { + "type": "string", + "nullable": true, + "description": "The marketplace platform fee charged, for `byok`." + }, + "usage_type": { + "type": "string", + "nullable": true, + "description": "The usage line the charge was booked on." + } + } + }, + "reference_identity": { + "type": "object", + "nullable": true, + "description": "The identity the holder was compared against, with its source." + }, + "signals": { + "type": "object", + "nullable": true, + "description": "Account signals read from the transaction history, when the step read one." + }, + "connection_abandoned": { + "type": "boolean", + "nullable": true, + "description": "Whether the step ended without a match after the person left at their bank." + }, + "not_covered": { + "type": "boolean", + "nullable": true, + "description": "Whether the person's bank or country could not be reached on this step." + }, + "evidence_purged_at": { + "type": "string", + "format": "date-time", + "nullable": true, + "description": "When the bank evidence was deleted under `bank_evidence_retention_days`. `null` otherwise." + }, + "warnings": { + "type": "array", + "items": { + "type": "string" + }, + "description": "Informational codes, for example `holder_declared`. A warning never changes the status on its own." + }, + "reason_codes": { + "type": "array", + "items": { + "type": "string" + }, + "description": "Why the verdict came out the way it did, for example `OWNER_NAME_PARTIAL`. Several may apply." + }, + "created_at": { + "type": "string", + "format": "date-time" + }, + "updated_at": { + "type": "string", + "format": "date-time" + } + } + }, + "BankAccountCheckPersonHolder": { + "type": "object", + "description": "The person who should hold the account.", + "required": [ + "full_name" + ], + "properties": { + "full_name": { + "type": "string", + "maxLength": 255, + "description": "The full name of the person who should hold the account.", + "example": "Maria Oliveira" + } + } + }, + "BankAccountCheckBusinessHolder": { + "type": "object", + "description": "The company that should hold the account. Checks a business account.", + "required": [ + "business_name" + ], + "properties": { + "business_name": { + "type": "string", + "maxLength": 255, + "description": "The name of the company that should hold the account. Checks a business account." + } + } } }, "securitySchemes": { diff --git a/src/didit/resources/__init__.py b/src/didit/resources/__init__.py index c83bd57..3f3d316 100644 --- a/src/didit/resources/__init__.py +++ b/src/didit/resources/__init__.py @@ -14,6 +14,7 @@ from didit.resources.aml import Aml, AsyncAml from didit.resources.aml_monitoring import AmlMonitoring, AsyncAmlMonitoring from didit.resources.analytics import Analytics, AsyncAnalytics + from didit.resources.bank import AsyncBank, Bank from didit.resources.billing import AsyncBilling, Billing from didit.resources.biometric_templates import AsyncBiometricTemplates, BiometricTemplates from didit.resources.blocklist import AsyncBlocklist, Blocklist @@ -85,6 +86,12 @@ def analytics(self) -> Analytics: return Analytics(self) + @cached_property + def bank(self) -> Bank: + from didit.resources.bank import Bank + + return Bank(self) + @cached_property def billing(self) -> Billing: from didit.resources.billing import Billing @@ -323,6 +330,12 @@ def analytics(self) -> AsyncAnalytics: return AsyncAnalytics(self) + @cached_property + def bank(self) -> AsyncBank: + from didit.resources.bank import AsyncBank + + return AsyncBank(self) + @cached_property def billing(self) -> AsyncBilling: from didit.resources.billing import AsyncBilling diff --git a/src/didit/resources/bank.py b/src/didit/resources/bank.py new file mode 100644 index 0000000..cddba2b --- /dev/null +++ b/src/didit/resources/bank.py @@ -0,0 +1,208 @@ +# Code generated by codegen from openapi/*.json. DO NOT EDIT. +"""The ``bank`` resource.""" + +from __future__ import annotations + +from functools import cached_property +from typing import cast + +import httpx + +from didit._resource import AsyncAPIResource, SyncAPIResource +from didit._response import ( + async_to_raw_response_wrapper, + async_to_streamed_response_wrapper, + to_raw_response_wrapper, + to_streamed_response_wrapper, +) +from didit._types import NOT_GIVEN, Body, Headers, NotGiven, Query +from didit.types.bank.account_check_params import BankAccountCheckParamsAccount +from didit.types.components.bank_account_check_holder import BankAccountCheckHolder +from didit.types.components.bank_account_check_response import BankAccountCheckResponse + +__all__ = [ + "Bank", + "AsyncBank", + "BankWithRawResponse", + "AsyncBankWithRawResponse", + "BankWithStreamingResponse", + "AsyncBankWithStreamingResponse", +] + + +class Bank(SyncAPIResource): + """The ``bank`` resource of the Didit API. + + Methods: ``account_check``. + """ + + @cached_property + def with_raw_response(self) -> BankWithRawResponse: + """Every method of this resource, returning the raw HTTP response.""" + return BankWithRawResponse(self) + + @cached_property + def with_streaming_response(self) -> BankWithStreamingResponse: + """Every method of this resource, returning the HTTP response before reading its body.""" + return BankWithStreamingResponse(self) + + def account_check( + self, + *, + country: str, + account: BankAccountCheckParamsAccount, + holder: BankAccountCheckHolder, + vendor_data: str | None | NotGiven = NOT_GIVEN, + extra_headers: Headers | None = None, + extra_query: Query | None = None, + extra_body: Body | None = None, + timeout: float | httpx.Timeout | None | NotGiven = NOT_GIVEN, + ) -> BankAccountCheckResponse: + """Check a bank account. + + Check that a bank account belongs to the person or company you name, before you send money to it. No session and no sign-in: send the name and the account, read the result. It is the [account check](/core-technology/bank-verification/account-check) of the Bank Verification step, run from your backend. + + **What you send.** The account's `country` (ISO 3166-1 alpha-3), the `account` the way that country writes it, and the `holder` name: `full_name` for a person or `business_name` for a company. A business name checks a business account. + + **What you get back.** `result` is `match`, `close_match`, `no_match` or `cannot_verify`. On a `close_match`, `holder_name` is the name the bank holds the account under, when the bank returned it. `account` comes back masked to its last 4 characters. + + **Billing.** Each check the bank answers is billed once at the Account check price of the account's country, whatever the result: a `no_match`, an account that does not exist and a `cannot_verify` are billed too. A request answered with an error is never billed. + + **Every request is a new check.** There is no idempotency key and no endpoint to read a check back, so a retried request runs, and is billed, again. Store the response. + + **Sandbox.** A sandbox key calls no bank and is charged nothing. The last 4 characters of the IBAN, else of the account number, choose the answer: `0001` a `close_match` with a `holder_name`, `0002` a `close_match` without one, `0003` and `0006` a `no_match`, `0004` `cannot_verify`, `0005` a `503` and `0009` a `400`. Any other ending is a `match`. + + **API keys.** A scoped API key needs write access to sessions. + + ``POST /v3/bank/account-check/`` + + Args: + country: The account's country, as an ISO 3166-1 alpha-3 code, for example `GBR`. Lowercase is accepted. + account: The account the way its country writes it: an `iban`, or an `account_number` with the bank or branch code the country needs (`sort_code`, `routing_number`, `transit_institution`, `bsb`, `ifsc`, `bank_code` or `bic`). Mexico takes a `clabe` and Argentina a `cbu_cvu`, which already name the bank. A business account adds a `registration_id` where the country asks for one. Spaces, dashes and dots are ignored. Keys the country's check does not use are ignored; a key it needs and does not get is a `400` that names it. + holder: The name the account is checked against. Send exactly one of `full_name` and `business_name`. + vendor_data: Your own reference for this check, returned unchanged. + extra_headers: Headers to add to (or, with ``None``, remove from) this request. + extra_query: Query parameters to add to this request. + extra_body: Top-level JSON fields to add to this request's body. + timeout: Overrides the client's timeout for this request, in seconds. + """ + return cast( + "BankAccountCheckResponse", + self._client.request( + "post", + "/v3/bank/account-check/", + cast_to=BankAccountCheckResponse, + auth="api_key", + body={ + "country": country, + "account": account, + "holder": holder, + "vendor_data": vendor_data, + }, + extra_headers=extra_headers, + extra_query=extra_query, + extra_body=extra_body, + timeout=timeout, + ), + ) + + +class AsyncBank(AsyncAPIResource): + """The ``bank`` resource of the Didit API. + + Methods: ``account_check``. + """ + + @cached_property + def with_raw_response(self) -> AsyncBankWithRawResponse: + """Every method of this resource, returning the raw HTTP response.""" + return AsyncBankWithRawResponse(self) + + @cached_property + def with_streaming_response(self) -> AsyncBankWithStreamingResponse: + """Every method of this resource, returning the HTTP response before reading its body.""" + return AsyncBankWithStreamingResponse(self) + + async def account_check( + self, + *, + country: str, + account: BankAccountCheckParamsAccount, + holder: BankAccountCheckHolder, + vendor_data: str | None | NotGiven = NOT_GIVEN, + extra_headers: Headers | None = None, + extra_query: Query | None = None, + extra_body: Body | None = None, + timeout: float | httpx.Timeout | None | NotGiven = NOT_GIVEN, + ) -> BankAccountCheckResponse: + """Check a bank account. + + Check that a bank account belongs to the person or company you name, before you send money to it. No session and no sign-in: send the name and the account, read the result. It is the [account check](/core-technology/bank-verification/account-check) of the Bank Verification step, run from your backend. + + **What you send.** The account's `country` (ISO 3166-1 alpha-3), the `account` the way that country writes it, and the `holder` name: `full_name` for a person or `business_name` for a company. A business name checks a business account. + + **What you get back.** `result` is `match`, `close_match`, `no_match` or `cannot_verify`. On a `close_match`, `holder_name` is the name the bank holds the account under, when the bank returned it. `account` comes back masked to its last 4 characters. + + **Billing.** Each check the bank answers is billed once at the Account check price of the account's country, whatever the result: a `no_match`, an account that does not exist and a `cannot_verify` are billed too. A request answered with an error is never billed. + + **Every request is a new check.** There is no idempotency key and no endpoint to read a check back, so a retried request runs, and is billed, again. Store the response. + + **Sandbox.** A sandbox key calls no bank and is charged nothing. The last 4 characters of the IBAN, else of the account number, choose the answer: `0001` a `close_match` with a `holder_name`, `0002` a `close_match` without one, `0003` and `0006` a `no_match`, `0004` `cannot_verify`, `0005` a `503` and `0009` a `400`. Any other ending is a `match`. + + **API keys.** A scoped API key needs write access to sessions. + + ``POST /v3/bank/account-check/`` + + Args: + country: The account's country, as an ISO 3166-1 alpha-3 code, for example `GBR`. Lowercase is accepted. + account: The account the way its country writes it: an `iban`, or an `account_number` with the bank or branch code the country needs (`sort_code`, `routing_number`, `transit_institution`, `bsb`, `ifsc`, `bank_code` or `bic`). Mexico takes a `clabe` and Argentina a `cbu_cvu`, which already name the bank. A business account adds a `registration_id` where the country asks for one. Spaces, dashes and dots are ignored. Keys the country's check does not use are ignored; a key it needs and does not get is a `400` that names it. + holder: The name the account is checked against. Send exactly one of `full_name` and `business_name`. + vendor_data: Your own reference for this check, returned unchanged. + extra_headers: Headers to add to (or, with ``None``, remove from) this request. + extra_query: Query parameters to add to this request. + extra_body: Top-level JSON fields to add to this request's body. + timeout: Overrides the client's timeout for this request, in seconds. + """ + return cast( + "BankAccountCheckResponse", + await self._client.request( + "post", + "/v3/bank/account-check/", + cast_to=BankAccountCheckResponse, + auth="api_key", + body={ + "country": country, + "account": account, + "holder": holder, + "vendor_data": vendor_data, + }, + extra_headers=extra_headers, + extra_query=extra_query, + extra_body=extra_body, + timeout=timeout, + ), + ) + + +class BankWithRawResponse: + def __init__(self, resource: Bank) -> None: + self._resource = resource + self.account_check = to_raw_response_wrapper(resource.account_check) + + +class AsyncBankWithRawResponse: + def __init__(self, resource: AsyncBank) -> None: + self._resource = resource + self.account_check = async_to_raw_response_wrapper(resource.account_check) + + +class BankWithStreamingResponse: + def __init__(self, resource: Bank) -> None: + self._resource = resource + self.account_check = to_streamed_response_wrapper(resource.account_check) + + +class AsyncBankWithStreamingResponse: + def __init__(self, resource: AsyncBank) -> None: + self._resource = resource + self.account_check = async_to_streamed_response_wrapper(resource.account_check) diff --git a/src/didit/types/__init__.py b/src/didit/types/__init__.py index 8711041..1e9dc7b 100644 --- a/src/didit/types/__init__.py +++ b/src/didit/types/__init__.py @@ -80,6 +80,12 @@ from didit.types.aml_monitoring.retrieve_job_response import ( AmlMonitoringRetrieveJobResponseResults as AmlMonitoringRetrieveJobResponseResults, ) + from didit.types.bank.account_check_params import ( + BankAccountCheckParams as BankAccountCheckParams, + ) + from didit.types.bank.account_check_params import ( + BankAccountCheckParamsAccount as BankAccountCheckParamsAccount, + ) from didit.types.billing.retrieve_balance_response import ( BillingRetrieveBalanceResponse as BillingRetrieveBalanceResponse, ) @@ -486,6 +492,39 @@ ApplicationCredentialsSummary as ApplicationCredentialsSummary, ) from didit.types.components.application_product import ApplicationProduct as ApplicationProduct + from didit.types.components.bank_account_check_business_holder import ( + BankAccountCheckBusinessHolder as BankAccountCheckBusinessHolder, + ) + from didit.types.components.bank_account_check_holder import ( + BankAccountCheckHolder as BankAccountCheckHolder, + ) + from didit.types.components.bank_account_check_person_holder import ( + BankAccountCheckPersonHolder as BankAccountCheckPersonHolder, + ) + from didit.types.components.bank_account_check_response import ( + BankAccountCheckResponse as BankAccountCheckResponse, + ) + from didit.types.components.bank_verification_result import ( + BankVerificationResult as BankVerificationResult, + ) + from didit.types.components.bank_verification_result import ( + BankVerificationResultAccount as BankVerificationResultAccount, + ) + from didit.types.components.bank_verification_result import ( + BankVerificationResultBilling as BankVerificationResultBilling, + ) + from didit.types.components.bank_verification_result import ( + BankVerificationResultConnection as BankVerificationResultConnection, + ) + from didit.types.components.bank_verification_result import ( + BankVerificationResultFinancialData as BankVerificationResultFinancialData, + ) + from didit.types.components.bank_verification_result import ( + BankVerificationResultOwnership as BankVerificationResultOwnership, + ) + from didit.types.components.bank_verification_result import ( + BankVerificationResultRoute as BankVerificationResultRoute, + ) from didit.types.components.blocklisted_item import BlocklistedItem as BlocklistedItem from didit.types.components.branding_customization import ( BrandingCustomization as BrandingCustomization, @@ -3101,6 +3140,19 @@ "ApplicationAnalyticsWorkflowFunnelValueStepsValue": "components.application_analytics_workflow_funnel", "ApplicationCredentialsSummary": "components.application_credentials_summary", "ApplicationProduct": "components.application_product", + "BankAccountCheckBusinessHolder": "components.bank_account_check_business_holder", + "BankAccountCheckHolder": "components.bank_account_check_holder", + "BankAccountCheckParams": "bank.account_check_params", + "BankAccountCheckParamsAccount": "bank.account_check_params", + "BankAccountCheckPersonHolder": "components.bank_account_check_person_holder", + "BankAccountCheckResponse": "components.bank_account_check_response", + "BankVerificationResult": "components.bank_verification_result", + "BankVerificationResultAccount": "components.bank_verification_result", + "BankVerificationResultBilling": "components.bank_verification_result", + "BankVerificationResultConnection": "components.bank_verification_result", + "BankVerificationResultFinancialData": "components.bank_verification_result", + "BankVerificationResultOwnership": "components.bank_verification_result", + "BankVerificationResultRoute": "components.bank_verification_result", "BillingRetrieveBalanceResponse": "billing.retrieve_balance_response", "BillingTopUpParams": "billing.top_up_params", "BillingTopUpResponse": "billing.top_up_response", @@ -4202,6 +4254,19 @@ "ApplicationAnalyticsWorkflowFunnelValueStepsValue", "ApplicationCredentialsSummary", "ApplicationProduct", + "BankAccountCheckBusinessHolder", + "BankAccountCheckHolder", + "BankAccountCheckParams", + "BankAccountCheckParamsAccount", + "BankAccountCheckPersonHolder", + "BankAccountCheckResponse", + "BankVerificationResult", + "BankVerificationResultAccount", + "BankVerificationResultBilling", + "BankVerificationResultConnection", + "BankVerificationResultFinancialData", + "BankVerificationResultOwnership", + "BankVerificationResultRoute", "BillingRetrieveBalanceResponse", "BillingTopUpParams", "BillingTopUpResponse", diff --git a/src/didit/types/bank/__init__.py b/src/didit/types/bank/__init__.py new file mode 100644 index 0000000..73f4330 --- /dev/null +++ b/src/didit/types/bank/__init__.py @@ -0,0 +1 @@ +# Code generated by codegen from openapi/*.json. DO NOT EDIT. diff --git a/src/didit/types/bank/account_check_params.py b/src/didit/types/bank/account_check_params.py new file mode 100644 index 0000000..c14f22e --- /dev/null +++ b/src/didit/types/bank/account_check_params.py @@ -0,0 +1,62 @@ +# Code generated by codegen from openapi/*.json. DO NOT EDIT. +from __future__ import annotations + +from typing_extensions import Required, TypedDict + +from didit.types.components.bank_account_check_holder import BankAccountCheckHolder + +__all__ = ["BankAccountCheckParams", "BankAccountCheckParamsAccount"] + + +class BankAccountCheckParamsAccount(TypedDict, total=False): + """The account the way its country writes it: an `iban`, or an `account_number` with the bank or branch code the country needs (`sort_code`, `routing_number`, `transit_institution`, `bsb`, `ifsc`, `bank_code` or `bic`). Mexico takes a `clabe` and Argentina a `cbu_cvu`, which already name the bank. A business account adds a `registration_id` where the country asks for one. Spaces, dashes and dots are ignored. Keys the country's check does not use are ignored; a key it needs and does not get is a `400` that names it.""" + + iban: str + """The IBAN, in a country that uses IBANs. It must belong to `country`.""" + + account_number: str + """The account number, in a country that writes the account with a separate bank or branch code.""" + + sort_code: str + """United Kingdom: the 6-digit sort code.""" + + routing_number: str + """United States: the 9-digit ABA routing number.""" + + transit_institution: str + """Canada: the 8-digit transit and institution number.""" + + bsb: str + """Australia: the 6-digit BSB.""" + + ifsc: str + """India: the 11-character IFSC.""" + + bank_code: str + """The bank's code, where the country needs one, for example in Nigeria.""" + + bic: str + """The bank's BIC, where the country's check asks for one.""" + + clabe: str + """Mexico: the 18-digit CLABE. It already names the bank.""" + + cbu_cvu: str + """Argentina: the 22-digit CBU or CVU. It already names the bank.""" + + registration_id: str + """A business account's registration number, where the country asks for one.""" + + +class BankAccountCheckParams(TypedDict, total=False): + country: Required[str] + """The account's country, as an ISO 3166-1 alpha-3 code, for example `GBR`. Lowercase is accepted.""" + + account: Required[BankAccountCheckParamsAccount] + """The account the way its country writes it: an `iban`, or an `account_number` with the bank or branch code the country needs (`sort_code`, `routing_number`, `transit_institution`, `bsb`, `ifsc`, `bank_code` or `bic`). Mexico takes a `clabe` and Argentina a `cbu_cvu`, which already name the bank. A business account adds a `registration_id` where the country asks for one. Spaces, dashes and dots are ignored. Keys the country's check does not use are ignored; a key it needs and does not get is a `400` that names it.""" + + holder: Required[BankAccountCheckHolder] + """The name the account is checked against. Send exactly one of `full_name` and `business_name`.""" + + vendor_data: str | None + """Your own reference for this check, returned unchanged.""" diff --git a/src/didit/types/components/bank_account_check_business_holder.py b/src/didit/types/components/bank_account_check_business_holder.py new file mode 100644 index 0000000..872349b --- /dev/null +++ b/src/didit/types/components/bank_account_check_business_holder.py @@ -0,0 +1,13 @@ +# Code generated by codegen from openapi/*.json. DO NOT EDIT. +from __future__ import annotations + +from typing_extensions import Required, TypedDict + +__all__ = ["BankAccountCheckBusinessHolder"] + + +class BankAccountCheckBusinessHolder(TypedDict, total=False): + """The company that should hold the account. Checks a business account.""" + + business_name: Required[str] + """The name of the company that should hold the account. Checks a business account.""" diff --git a/src/didit/types/components/bank_account_check_holder.py b/src/didit/types/components/bank_account_check_holder.py new file mode 100644 index 0000000..f599b0f --- /dev/null +++ b/src/didit/types/components/bank_account_check_holder.py @@ -0,0 +1,13 @@ +# Code generated by codegen from openapi/*.json. DO NOT EDIT. +from __future__ import annotations + +from typing_extensions import TypeAlias + +from didit.types.components.bank_account_check_business_holder import BankAccountCheckBusinessHolder +from didit.types.components.bank_account_check_person_holder import BankAccountCheckPersonHolder + +__all__ = ["BankAccountCheckHolder"] + + +BankAccountCheckHolder: TypeAlias = BankAccountCheckPersonHolder | BankAccountCheckBusinessHolder +"""The name the account is checked against. Send exactly one of `full_name` and `business_name`.""" diff --git a/src/didit/types/components/bank_account_check_person_holder.py b/src/didit/types/components/bank_account_check_person_holder.py new file mode 100644 index 0000000..fc9783d --- /dev/null +++ b/src/didit/types/components/bank_account_check_person_holder.py @@ -0,0 +1,13 @@ +# Code generated by codegen from openapi/*.json. DO NOT EDIT. +from __future__ import annotations + +from typing_extensions import Required, TypedDict + +__all__ = ["BankAccountCheckPersonHolder"] + + +class BankAccountCheckPersonHolder(TypedDict, total=False): + """The person who should hold the account.""" + + full_name: Required[str] + """The full name of the person who should hold the account.""" diff --git a/src/didit/types/components/bank_account_check_response.py b/src/didit/types/components/bank_account_check_response.py new file mode 100644 index 0000000..ff9538f --- /dev/null +++ b/src/didit/types/components/bank_account_check_response.py @@ -0,0 +1,29 @@ +# Code generated by codegen from openapi/*.json. DO NOT EDIT. +from __future__ import annotations + +import datetime as _dt +from typing import Literal + +from didit._models import BaseModel + +__all__ = ["BankAccountCheckResponse"] + + +class BankAccountCheckResponse(BaseModel): + request_id: str + """The ID of this check.""" + + result: Literal["match", "close_match", "no_match", "cannot_verify"] | str + """`match`: the bank holds the account under the name you sent. `close_match`: under a close name, for example a missing middle name or a typo. `no_match`: under another name, or there is no such account. `cannot_verify`: the bank answered without comparing the name, for example for a blocked or closed account.""" + + holder_name: str | None + """Only on a `close_match`, and only when the bank returned it: the name on the account, as the bank holds it. `null` otherwise.""" + + account: str + """The account, masked to its last 4 characters.""" + + vendor_data: str | None + """Your own reference, as you sent it.""" + + created_at: _dt.datetime + """When the check ran, in UTC.""" diff --git a/src/didit/types/components/bank_verification_result.py b/src/didit/types/components/bank_verification_result.py new file mode 100644 index 0000000..9a522be --- /dev/null +++ b/src/didit/types/components/bank_verification_result.py @@ -0,0 +1,281 @@ +# Code generated by codegen from openapi/*.json. DO NOT EDIT. +from __future__ import annotations + +import datetime as _dt +from typing import Literal + +from didit._models import BaseModel + +__all__ = [ + "BankVerificationResult", + "BankVerificationResultAccount", + "BankVerificationResultBilling", + "BankVerificationResultConnection", + "BankVerificationResultFinancialData", + "BankVerificationResultOwnership", + "BankVerificationResultRoute", +] + + +class BankVerificationResultAccount(BaseModel): + """The evaluated account. `null` until an account is evaluated.""" + + account_id_masked: str | None = None + """The account number, masked.""" + + iban_masked: str | None = None + """The IBAN, masked.""" + + sort_code: str | None = None + """The sort code, in the United Kingdom.""" + + routing_number_masked: str | None = None + """The routing number, masked.""" + + type: Literal["checking", "current", "savings", "business", "other"] | str | None = None + + subtype: str | None = None + """The bank's own account subtype.""" + + currency: str | None = None + """ISO 4217 currency of the account.""" + + holder_type: Literal["person", "business", "unknown"] | str | None = None + + holders_count: int | None = None + + is_joint: bool | None = None + + is_business: bool | None = None + + +class BankVerificationResultBilling(BaseModel): + route: Literal["native", "byok"] | str | None = None + + billed: bool | None = None + + marketplace_fee: str | None = None + """The marketplace platform fee charged, for `byok`.""" + + usage_type: str | None = None + """The usage line the charge was booked on.""" + + +class BankVerificationResultConnection(BaseModel): + """The latest attempt's connection. `null` before the first attempt.""" + + status: ( + Literal[ + "pending", + "connected", + "cancelled", + "timeout", + "failed", + "unsupported", + "revoked", + "expired", + ] + | str + | None + ) = None + + institution_id: str | None = None + """The bank's ID. `null` for an account check, where no bank is picked.""" + + institution_name: str | None = None + """The bank's name. `null` for an account check.""" + + institution_country: str | None = None + """The account's country, ISO 3166-1 alpha-3.""" + + oauth: bool | None = None + """Whether the bank sign-in ran over OAuth or app-to-app. `null` for an account check.""" + + connected_at: _dt.datetime | None = None + """When the connection succeeded.""" + + consent_expires_at: _dt.datetime | None = None + """When the bank consent ends, for bank sign-in.""" + + last_refreshed_at: _dt.datetime | None = None + """When the financial data was last read again.""" + + attempts: int | None = None + """The attempts the person spent on this step, every method together.""" + + reason_code: str | None = None + """Why the connection is not simply `connected`, for example `USER_CANCELLED`, `INSTITUTION_DOWN`, `ACCOUNT_NOT_FOUND`, `REFERENCE_IDENTITY_MISSING` or `VERIFICATION_COMPLETED`.""" + + +class BankVerificationResultFinancialData(BaseModel): + """The financial data the step read. Only bank sign-in reads it.""" + + balances: dict[str, object] | None = None + """With the `balances` scope.""" + + transactions: dict[str, object] | None = None + """With the `transactions` scope.""" + + income: dict[str, object] | None = None + """With the `income` scope.""" + + categorization: dict[str, object] | None = None + """Didit's categorization of the transactions read. `null` without them.""" + + not_collected: list[Literal["balances", "income", "transactions"] | str] | None = None + """The data the step asked for that the method which verified the account does not collect. Balances, transactions and income come from bank sign-in only, so an account verified by account check lists them here. Never a failure. Empty otherwise.""" + + +class BankVerificationResultOwnership(BaseModel): + """How the account holder compared with the verified identity. `null` until an account is evaluated.""" + + result: ( + Literal["match", "partial_match", "no_match", "unknown", "not_verifiable"] | str | None + ) = None + """`partial_match` is a close match. `not_verifiable`: the bank answered with no holder to compare. `unknown`: the evidence could not be read, or there was no identity to compare.""" + + reference_identity_source: str | None = None + """The step whose identity the holder was compared against: `kyc`, `database_validation`, `expected_details`, `questionnaire`, `document_ai` or `kyb`.""" + + name_score: int | None = None + """Didit's holder name score.""" + + provider_name_score: int | None = None + """The bank's own holder name score, when it returned one.""" + + address_score: int | None = None + """The holder address score, when address matching ran.""" + + email_score: int | None = None + """The holder email score, when email matching ran.""" + + phone_score: int | None = None + """The holder phone score, when phone matching ran.""" + + dob_score: int | None = None + """The holder date of birth score, when the bank shared one.""" + + close_match: bool | None = None + """Whether the name landed in the close-match band.""" + + holder_confirmation: Literal["pending", "confirmed", "rejected"] | str | None = None + """The person's answer when asked to confirm a close-match name. `null` when never asked.""" + + method: ( + Literal[ + "exact", + "token_set", + "nickname", + "transliteration", + "fuzzy", + "provider_only", + "microdeposits", + ] + | str + | None + ) = None + """Which name comparison produced the score. This is not the verification method: read the top-level `method` for that.""" + + matched_holder_index: int | None = None + + holders: list[dict[str, object]] | None = None + """Each holder the bank listed, with its scores.""" + + owner_identity_available: bool | None = None + + evidence_freshness: Literal["live", "cached", "refreshed"] | str | None = None + + evaluated_at: _dt.datetime | None = None + """When the verdict was computed.""" + + +class BankVerificationResultRoute(BaseModel): + """The route chosen before consent. It never changes afterwards.""" + + provider_key: str | None = None + """The route's key.""" + + credential_source: Literal["native", "byok"] | str | None = None + + is_fallback: bool | None = None + """Whether Didit's own route stood in for a marketplace provider that could not connect.""" + + provider_connection_id: str | None = None + """The marketplace connection used, for `byok`.""" + + requested_scopes: list[str] | None = None + """The data the connection asked for, for example `ownership` or `balances`.""" + + +class BankVerificationResult(BaseModel): + """One Bank Verification step's result, for User and Business Verification. `method` says how the account was verified. See [Bank verification methods](/core-technology/bank-verification/verification-methods).""" + + schema_version: int | None = None + """Version of this result shape. `1` today.""" + + bank_verification_id: str | None = None + """The ID of this result.""" + + node_id: str | None = None + """The workflow node this result belongs to.""" + + status: Literal["Not Finished", "Approved", "Declined", "In Review", "Expired"] | str | None = ( + None + ) + """The step's verdict, after its actions and status rules.""" + + original_status: str | None = None + """The first verdict the step reached, before any later change such as a manual review.""" + + method: Literal["open_banking", "account_lookup", "microdeposits", "statement"] | str | None = ( + None + ) + """How the account was verified: `open_banking` (bank sign-in: the person signed in at their bank), `account_lookup` (account check: the person typed the account details and the bank confirmed the name), `microdeposits` or `statement` (a statement upload). `null` until an account is evaluated. Workflow rules read the same value as `bank.method`.""" + + provider: str | None = None + """The key of the route that ran the connection. Read `method`, not this key, to tell how the account was verified.""" + + credential_source: Literal["native", "byok"] | str | None = None + """`native`: Didit's own route, billed to your Didit balance. `byok`: a marketplace provider you connected with your own credentials.""" + + route: BankVerificationResultRoute | None = None + """The route chosen before consent. It never changes afterwards.""" + + connection: BankVerificationResultConnection | None = None + """The latest attempt's connection. `null` before the first attempt.""" + + account: BankVerificationResultAccount | None = None + """The evaluated account. `null` until an account is evaluated.""" + + ownership: BankVerificationResultOwnership | None = None + """How the account holder compared with the verified identity. `null` until an account is evaluated.""" + + financial_data: BankVerificationResultFinancialData | None = None + """The financial data the step read. Only bank sign-in reads it.""" + + billing: BankVerificationResultBilling | None = None + + reference_identity: dict[str, object] | None = None + """The identity the holder was compared against, with its source.""" + + signals: dict[str, object] | None = None + """Account signals read from the transaction history, when the step read one.""" + + connection_abandoned: bool | None = None + """Whether the step ended without a match after the person left at their bank.""" + + not_covered: bool | None = None + """Whether the person's bank or country could not be reached on this step.""" + + evidence_purged_at: _dt.datetime | None = None + """When the bank evidence was deleted under `bank_evidence_retention_days`. `null` otherwise.""" + + warnings: list[str] | None = None + """Informational codes, for example `holder_declared`. A warning never changes the status on its own.""" + + reason_codes: list[str] | None = None + """Why the verdict came out the way it did, for example `OWNER_NAME_PARTIAL`. Several may apply.""" + + created_at: _dt.datetime | None = None + + updated_at: _dt.datetime | None = None diff --git a/src/didit/types/components/session_decision.py b/src/didit/types/components/session_decision.py index 8b5cb77..4b3ece3 100644 --- a/src/didit/types/components/session_decision.py +++ b/src/didit/types/components/session_decision.py @@ -6,6 +6,7 @@ from didit._models import BaseModel from didit.types.components.aml_screening import AMLScreening +from didit.types.components.bank_verification_result import BankVerificationResult from didit.types.components.document_ai_detected_code import DocumentAIDetectedCode from didit.types.components.investigator_block import InvestigatorBlock from didit.types.components.kyb_registry_address import KYBRegistryAddress @@ -3554,6 +3555,9 @@ class SessionDecision(BaseModel): questionnaire_responses: list[SessionDecisionQuestionnaireResponses] | None = None """**Array of questionnaire response reports** - always a JSON array, never a singular `questionnaire` object. `null` until at least one questionnaire step has produced data. Each item is the full report, including `node_id`, the questionnaire metadata, sections with form elements, and the user's answers.""" + bank_verifications: list[BankVerificationResult] | None = None + """Bank Verification results, one item per Bank Verification step, for User and Business Verification. `null` until a step produces one. Each item's `method` says how the account was verified: `open_banking` (bank sign-in) or `account_lookup` (account check), or a `microdeposits` or `statement` fallback. See [Bank verification methods](/core-technology/bank-verification/verification-methods).""" + signatures: list[SignatureResult] | None = None """Electronic Signature results, one item per signer and signature step, for User and Business Verification. Present only when the workflow has an Electronic Signature step; an empty array until a signer reaches it. See the [Electronic Signature report](/core-technology/electronic-signature/report-electronic-signature).""" diff --git a/tests/generated/test_bank.py b/tests/generated/test_bank.py new file mode 100644 index 0000000..ccb1c29 --- /dev/null +++ b/tests/generated/test_bank.py @@ -0,0 +1,48 @@ +# Code generated by codegen from openapi/*.json. DO NOT EDIT. +"""Generated tests of the ``bank`` resources: one per operation.""" + +from __future__ import annotations + +from didit.types.components.bank_account_check_response import BankAccountCheckResponse +from tests.harness import Expect, check_operation + + +def test_bank_account_check() -> None: + """``POST /v3/bank/account-check/``""" + check_operation( + Expect( + method="POST", + path="/v3/bank/account-check/", + api="verification", + auth="api_key", + json_body={ + "country": "GBR", + "account": {"sort_code": "20-45-67", "account_number": "31926819"}, + "holder": {"full_name": "Maria Oliveira"}, + "vendor_data": "payout_20481", + }, + status=200, + response_json={ + "request_id": "c2f4a9e0-7b1d-4c3a-9e55-1d0a6b8f2a47", + "result": "close_match", + "holder_name": "MARIA R OLIVEIRA", + "account": "****6819", + "vendor_data": "payout_20481", + "created_at": "2026-10-21T14:32:08Z", + }, + ), + lambda c: c.bank.account_check( + country="GBR", + account={"sort_code": "20-45-67", "account_number": "31926819"}, + holder={"full_name": "Maria Oliveira"}, + vendor_data="payout_20481", + ), + lambda c: c.bank.account_check( + country="GBR", + account={"sort_code": "20-45-67", "account_number": "31926819"}, + holder={"full_name": "Maria Oliveira"}, + vendor_data="payout_20481", + ), + lambda r: isinstance(r, BankAccountCheckResponse), + lambda r: isinstance(r, BankAccountCheckResponse), + ) From b52b0cd93f23943bac91a7720894b6c2a85fa463 Mon Sep 17 00:00:00 2001 From: Alejandro Rosas Date: Sat, 24 Oct 2026 02:34:27 +0400 Subject: [PATCH 2/2] ci: start checks on the spec sync Co-Authored-By: Claude Sonnet 5.5