> ## Documentation Index > Fetch the complete documentation index at: https://developers.stablepay.ai/llms.txt > Use this file to discover all available pages before exploring further. # Validate Account > Resolve payment details across bank accounts, mobile money, merchants, and QR codes. ## OpenAPI ````yaml POST /v1/account/validate openapi: 3.0.3 info: title: Stablepay Money API description: > The Stablepay Money API enables wallet issuers to execute stablecoin-to-fiat payouts across Sub-Saharan Africa via M-Pesa, mobile money, and bank transfers. version: 0.5.0 contact: name: Stablepay Engineering email: hello@stablepay.io servers: - url: https://api.stablepay.ai description: Production security: - BearerAuth: [] tags: - name: Health description: Service liveness check. - name: FX description: Live FX rate conversion between USDC and local fiat currencies. - name: Payments description: Submit and track stablecoin-to-fiat payout requests. - name: Balances description: >- Live on-chain USDC and native token balances for the tenant's custody wallets. - name: Analytics description: >- Pre-aggregated payment analytics — volume, success rates, corridor breakdowns, and daily time series. - name: Customers description: | KYC API for DeFi wallets. Onboard and verify your end-users, then link their wallet addresses so verified identity travels with their on-chain activity. - name: Webhooks description: Register endpoints and manage outbound event delivery. - name: Admin description: >- Ops-only endpoints for tenant management and payment operations. Requires an admin-scoped API key. paths: /v1/account/validate: post: tags: - Account summary: Validate a recipient account description: > Resolve payment details across bank accounts, mobile money, merchants, and QR codes. operationId: validateAccount requestBody: required: true content: application/json: schema: type: object properties: accountNumber: type: string description: > The bank account number, mobile money number, merchant identifier, or payment QR code. example: '+254712345678' country: type: string enum: - GH - KE - NG - TZ - UG - ZM - CM - CI - SN - BJ - BF - CD - ZA description: Merchant or recipient country code. paymentMethod: type: string enum: - BANK - MOMO - PAYBILL - TILL - QR description: >- The supported payment method used to deliver funds to the merchant or recipient. paymentCode: type: string description: > Required when paymentMethod is BANK or PAYBILL (TZ). Available BANK options: OPAY, PALMPAY, MONIEPOINT, or BANKCODE. Available PAYBILL (TZ) options: PAYBILLCODE. example: OPAY required: - accountNumber - country - paymentMethod examples: kesMomo: summary: KES M-Pesa number value: accountNumber: '+254712345678' country: KE paymentMethod: MOMO kesBank: summary: KES bank account value: accountNumber: '1234567890' country: KE paymentMethod: BANK paymentCode: '01' ngnBank: summary: NGN bank account value: accountNumber: '0123456789' country: NG paymentMethod: BANK paymentCode: OPAY ghsMomo: summary: GHS MoMo number (operator auto-detected) value: accountNumber: '+233241234567' country: GH paymentMethod: MOMO xafMomo: summary: Cameroon MoMo number (operator detected from phone prefix) value: accountNumber: '+237650123456' country: CM paymentMethod: MOMO responses: '200': description: Account resolved successfully. content: application/json: schema: $ref: '#/components/schemas/ValidateAccountResponse' examples: kesMomo: summary: KES M-Pesa (full name resolution) value: accountName: Jane Doe accountNumber: '+254712345678' paymentCode: MPESA country: KE currency: KES paymentMethod: MOMO accountType: CONSUMER resolveToken: null ghsMomo: summary: GHS MoMo (operator detected, phone used as name) value: accountName: '+233243747787' accountNumber: '+233243747787' paymentCode: MTN country: GH currency: GHS paymentMethod: MOMO accountType: CONSUMER resolveToken: null kesBank: summary: KES bank account value: accountName: John Kamau accountNumber: '1234567890' paymentCode: '01' country: KE currency: KES paymentMethod: BANK accountType: CONSUMER resolveToken: null xafMomo: summary: Cameroon MoMo (operator detected from phone prefix) value: accountName: '+237650123456' accountNumber: '+237650123456' paymentCode: MTN country: CM currency: XAF paymentMethod: MOMO accountType: CONSUMER resolveToken: null '401': description: Invalid or missing API key. content: application/json: schema: $ref: '#/components/schemas/ErrorResponse' '422': description: >- Validation error, unsupported currency/method combination, or account not found. content: application/json: schema: $ref: '#/components/schemas/ErrorResponse' security: - BearerAuth: [] components: schemas: ValidateAccountResponse: type: object properties: accountName: type: string description: >- Resolved account holder name for merchant or recipient. Returns the phone number for corridors that only support operator detection. example: Jane Doe accountNumber: type: string description: > The resolved bank account number, mobile money number, or merchant identifier. example: '+254712345678' paymentCode: type: string nullable: true description: > Carry this value forward directly as `paymentCode` on the payment endpoints. PAYBILL / TILL: No code applies for these methods. example: MPESA country: type: string description: Merchant or recipient country code as supplied in the request. example: KE currency: type: string description: >- Fiat currency derived from the country code. Use as sourceCurrency (payin) or destinationCurrency (payout) in subsequent calls. example: KES paymentMethod: type: string description: Payment method as supplied in the request. example: MOMO accountType: type: string enum: - CONSUMER - MERCHANT description: >- Resolves to CONSUMER for a personal account, or MERCHANT for a business account. example: CONSUMER resolveToken: type: string nullable: true description: Shortlived token for merchant validated. example: eyJhciOi......iJ9MzILBkpU required: - accountName - accountNumber - paymentCode - country - currency - paymentMethod - accountType - resolveToken ErrorResponse: type: object properties: statusCode: type: integer example: 400 code: type: string description: Machine-readable error code. example: validation_error message: type: string description: Human-readable error message. example: fiatAmount must be a positive number. required: - statusCode - message securitySchemes: BearerAuth: type: http scheme: bearer description: | Stablepay API key. Include as `Authorization: Bearer `. ````