Bank Match - One Click Services

Overview

The Bank Account Verification API confirms that a person owns the bank account they’re claiming — without asking them to upload a bank statement or enter account details manually. Using an open banking standard, the user logs in directly with their bank, and we receive cryptographically signed confirmation of their identity and account ownership.

Key Features

Verifies account ownership without collecting sensitive credentials
User authenticates directly with their own bank — we never see their banking password
Supports Australia’s major banks via open banking infrastructure
Returns verified name and account details as confirmed by the bank
Manual account entry fallback available for unsupported banks

How It Works

Initiate

Your server calls the API and receives a session URL.

Authorise

The user opens the URL, selects their bank, and logs in directly with their bank to grant consent.

Result

We receive verified account details from the bank and return a structured result to your webhook.

Common Use Cases

Payment onboarding

Confirm a customer’s bank account before processing payouts or direct debits

Wage and payroll verification

Validate account ownership as part of employment onboarding

Fraud prevention

Ensure account details match the person’s claimed identity

One click services API

API Overview

Example Parameters

Parameter	Description
`reference`	Your internal reference ID for this session
`redirect_url`	Where to send the user after completing the flow
`first_name`	Optional — used for name matching against bank data
`last_name`	Optional — used for name matching against bank data
email	Optional — used for email matching against bank data
address	Optional — used for address matching against bank data

Example Request

POST /bank

{
  "reference": "cust_00789",
  "redirect_url": "https://yourapp.com/verified",
  "first_name": "Jane",
  "last_name": "Smith"
}

Example Response

{
  "status": "success",
  "session_id": "d4e5f6a7-b8c9-0123-defa-234567890123",
  "bank_url": "https://verify.oneclickservices.com.au/d4e5f6a7-..."
}

JWT REDIRECT

Parameter	Value
`given_name`	`90`
`family_name`	`100`
`phone_number`	`100`
`email`	100
`address`	54
bsb_number	100
acc_number	100

The match decision score ranges from 0 to 100 percent. A score of 100% indicates an exact match, while a score of 0% indicates no match. Although string values are normalized, matches may not always be perfect. Scores between 50% and 99% indicate varying degrees of similarity.