Class: GoCardlessPro::Services::BankDetailsLookupsService

Inherits:
BaseService
  • Object
show all
Defined in:
lib/gocardless_pro/services/bank_details_lookups_service.rb

Overview

Service for making requests to the BankDetailsLookup endpoints

Instance Method Summary collapse

Methods inherited from BaseService

#initialize, #make_request, #sub_url

Constructor Details

This class inherits a constructor from GoCardlessPro::Services::BaseService

Instance Method Details

#create(options = {}) ⇒ Object

Performs a bank details lookup. As part of the lookup, a modulus check and reachability check are performed.

For UK or Eurozone-based bank accounts, where an account holder name is provided (and an account number, a sort code or an IBAN are already present), we verify that the account holder name and bank account number match the details held by the relevant bank. If there is no match, the endpoint will return a 422 - validation error on account_holder_name: "Account holder name does not match bank account details provided".

If your request returns an error (https://developer.gocardless.com/api-reference/#api-usage-errors) or the available_debit_schemes attribute is an empty array, you will not be able to collect payments from the specified bank account. GoCardless may be able to collect payments from an account even if no bic is returned.

Bank account details may be supplied using local details (https://developer.gocardless.com/api-reference/#appendix-local-bank-details) or an IBAN.

ACH scheme For compliance reasons, an extra validation step is done using a third-party provider to make sure the customer's bank account can accept Direct Debit. If a bank account is discovered to be closed or invalid, the customer is requested to adjust the account number/routing number and succeed in this check to continue with the flow.

Note: Usage of this endpoint is monitored. If your organisation relies on GoCardless for modulus or reachability checking but not for payment collection, please get in touch. Example URL: /bank_details_lookups

Parameters:

  • options (Hash) (defaults to: {}) —

    parameters as a hash, under a params key.



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# File 'lib/gocardless_pro/services/bank_details_lookups_service.rb', line 50

def create(options = {})
  path = '/bank_details_lookups'

  params = options.delete(:params) || {}
  options[:params] = {}
  options[:params][envelope_key] = params

  options[:retry_failures] = true

  response = make_request(:post, path, options)

  return if response.body.nil?

  Resources::BankDetailsLookup.new(unenvelope_body(response.body), response)
end