> ## Documentation Index
> Fetch the complete documentation index at: https://docs.oyapasteaza.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Resolve account

> Resolve a bank account and generate a reusable recipient code for future transfers.

Use this endpoint to verify a recipient’s bank account and generate a reusable `recipientCode`.

The returned `recipientCode` can be used to create one or more bank transfers to the same recipient without sending the bank account details again.

<Warning>
  Always verify that the returned `accountName` matches the intended recipient before initiating a transfer.
</Warning>

## Endpoint

```http theme={null}
POST /v1/banks/resolve
```

## Headers

```http theme={null}
Authorization: Bearer sk_live_xxxxxxxxxxxxxxxxx
Content-Type: application/json
```

## Request body

| Field           | Type   | Required | Description                                      |
| --------------- | ------ | -------- | ------------------------------------------------ |
| `accountNumber` | string | Yes      | Recipient bank account number.                   |
| `bankCode`      | string | Yes      | Bank code obtained from the List Banks endpoint. |

## Example request

```bash theme={null}
curl https://api.oyapasteaza.com/v1/banks/resolve \
  -X POST \
  -H "Authorization: Bearer sk_live_xxxxxxxxxxxxxxxxx" \
  -H "Content-Type: application/json" \
  -d '{
    "accountNumber": "1234567890",
    "bankCode": "044"
  }'
```

## Successful response

```json theme={null}
{
  "status": true,
  "message": "Account resolved successfully.",
  "data": {
    "recipientCode": "rcp_7hK2j9xLmQ4",
    "accountNumber": "1234567890",
    "accountName": "JOHN DOE",
    "bank": {
      "code": "044",
      "name": "Access Bank Plc"
    }
  }
}
```

## How account resolution works

<Steps>
  <Step title="List supported banks">
    Retrieve the supported banks and select the appropriate bank code.
  </Step>

  <Step title="Resolve the recipient">
    Send the recipient's account number and bank code to the Resolve Account endpoint.
  </Step>

  <Step title="Verify the account name">
    Confirm that the returned account name belongs to the intended recipient before proceeding.
  </Step>

  <Step title="Store the recipient code">
    Save the returned `recipientCode` and reuse it for future transfers to the same account without resolving again.
  </Step>
</Steps>

## Notes

* Every successful account resolution generates a reusable `recipientCode`.
* The same `recipientCode` can be used for multiple transfers to the same recipient.
* You do not need to resolve the same account before every transfer unless the recipient changes.
* Account names may be returned in uppercase depending on the underlying banking provider.
* The `recipientCode` is scoped to your merchant account and cannot be used by another merchant.

## Next steps

<CardGroup cols={2}>
  <Card title="List banks" icon="building-columns" href="/disbursements/bank-transfer/list-banks">
    Retrieve supported banks and bank codes.
  </Card>

  <Card title="Create transfer" icon="arrow-up-from-line" href="/disbursements/bank-transfer/create-transfer">
    Send money using a previously generated `recipientCode`.
  </Card>
</CardGroup>