Routing data before payment execution

Bank Reference Data. Route payments with confidence

Give bank and payment operations teams access to bank, branch and routing information before payments are sent. Use API queries or monthly export files to support routing readiness across supported markets.

Explore bank data
Public bank details shown as a lookup example.

Review routing information before payments are sent

Bank and payment operations teams need a clear view of the routing information a payment flow depends on before it enters the payment network.

01

Bank data changes

Institutions merge, branches change and routing identifiers are updated.

02

Requirements vary by market

Routing formats and required fields differ across countries and payment systems.

03

Required data is missing

Payment flows need the routing details their workflow requires.

Bank Reference Data

The bank data you need, where you need it

Access available reference information for supported markets to identify financial institutions and support payment routing across different countries.

API queries

Review available routing information when a payment flow needs it.

Individual lookups
Monthly export files

Integrate reference information into internal payment systems and directories.

Data for workflows
Available fields

Work with institution, branch, location and market details where they are available.

Field scope varies
Supported markets only Public-domain sources Returned fields vary

Coverage and returned fields vary by market. Ask us to confirm fit for your workflow.

From routing details to bank information

Example record

Bank name
Bank Central Asia
Building
Menara BCA, Grand Indonesia
Street
Jl. MH Thamrin No. 1
City
Jakarta
Postcode
10310
Country
Indonesia

Public bank details used for this interactive example. This preview does not query IPID or represent its coverage.

Need specific routing data for your payment flows?

Talk to our team about your markets, routing requirements and integration needs.

Explore bank data

The right payee. The right route.

Payments depend on both the intended recipient and the routing information being in place.

Routing information

Bank Reference Data

Do we have the routing information this payment needs?

Identify available bank, branch and routing information for supported markets before payment execution.

Intended recipient

Payee Verification

Can we verify the intended recipient?

Check whether the account belongs to the intended payee where validation coverage is available.

Explore Payee Verification

Improve payment routing from setup to execution

Use Bank Reference Data across bank and payment operations workflows, from directory maintenance to payment initiation.

  1. 01

    Payee setup

    Retrieve bank and branch information when capturing or reviewing payee details.

  2. 02

    Payment initiation

    Check routing information before a transaction enters the payment network.

  3. 03

    Reference data management

    Keep internal bank directories and payment-routing tables organised across markets.

  4. 04

    Payment operations

    Give teams a consistent source of available bank information for routing workflows.

Frequently asked questions

Understand the scope, access methods and relationship to Payee Verification before you discuss fit.

What is bank reference data?

Bank reference data is information used to identify financial institutions, branches and the routing information needed to direct payments. Available fields depend on the market and the source data.

What routing information does IPID support?

Bank Reference Data supports available international and domestic routing information across selected supported markets. Coverage and returned fields vary by market and data availability.

How is Bank Reference Data different from Payee Verification?

Bank Reference Data provides information used to route a payment, such as bank, branch and market details. Payee Verification checks whether an account belongs to the intended recipient. The capabilities address different sources of payment risk and can be used together.

How can I access IPID's Bank Reference Data?

Bank Reference Data can be accessed through individual API queries or a monthly export file, depending on how you want to integrate the information into your payment workflow.

What information can a lookup return?

Depending on the market and identifier, a lookup can return information such as the financial institution, branch, institution type, country, city, postcode and address details where available.

Is Bank Reference Data guaranteed to be accurate?

No. Bank Reference Data is provided as reference information sourced from public-domain sources for supported markets only. Coverage and returned fields may vary, and the information should not be treated as a guarantee of accuracy, completeness, payment success or routing outcome.

Review routing data before payments move

Give bank and payment operations teams access to available bank and routing information as they prepare payment flows.

Explore bank data