# Account Validation APIs
source: https://developer.mastercard.com/cross-border-services/documentation/api-ref/account-validation-apis/index.md

Alert: Mastercard will be migrating from Entrust to DigiCert CA certificates, in response to the announcement made by Google and Mozilla to move away from Entrust CA. Make sure to switch to DigiCert CA before March 10, 2025 in production to ensure a successful SSL handshake and avoid any service disruption. Please refer to the communication and [instructions](https://static.developer.mastercard.com/content/cross-border-services/uploads/Instructions.pdf) sent to your organization dated February 11, 2025 for more information.

The Account Validation APIs assist customers to process transactions with valid data for specific countries. This API allows customers to:

* Generate account values
* Validate and verify account values
* Access account and bank-related information  

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There are three types of Account Validation APIs:

## 1. Account Validation API {#1-account-validation-api}

The [Account Validation API](https://developer.mastercard.com/cross-border-services/documentation/api-ref/account-validation-apis/account-validation-api/index.md) allows Customers to validate or verify recipient account information before submitting payment to Cross-Border Services.

* **IBAN Validation Service** -- Customers can validate account format and structure of an IBAN value provided for payload instruction.
* **Account Status Verification** -- Customers can verify the following elements of an account used for bank deposit services:
  * Account Number
  * Account Owner Name
  * Account Activity Status
  * Account Currency
* **Card Eligibility Service** -- Customers can validate debit or credit card account number format and structure. In addition, customers can receive payload feedback if an account can support cross-border transactions.

## 2. Bank Information Lookup API {#2-bank-information-lookup-api}

The [Bank Information Lookup API](https://developer.mastercard.com/cross-border-services/documentation/api-ref/account-validation-apis/bank-information-lookup/index.md) allows customers to retrieve specific details of the beneficiary bank which can be used for payment transaction.

## 3. IBAN Generation API {#3-iban-generation-api}

The [IBAN Generation API](https://developer.mastercard.com/cross-border-services/documentation/api-ref/account-validation-apis/iban-generation-api/index.md) allows customers to generate IBAN account values using several bank identifying data elements.
Note:   
- Our Cross-Border Services provide account validation and verification services to help customers verify recipient account information. However, Mastercard does not guarantee payment transactions acceptance or processing at the financial institution of the recipient.  
- The financial institution hosting the recipient account can reject or return funds to the sending institution for various reasons that are outside of Mastercard control.