← LegitPaycheckAPI v1

API Documentation

Verify a US bank account by routing number and account number and get its status — open, valid, invalid or closed.

Base URL: https://legitpaycheck.com$0.09 / query1 request / 2s

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1. Activation

Activate API access from your dashboard for a one-time $370. Of that, $200 is credited to your balance and an API key is issued to you. Queries are then billed at $0.09 each from that balance; top it up any time with crypto or GhostPay.

Go to the dashboard →

2. Authentication

Send your API key in the X-API-Key header (a Bearer token also works). Keep it secret — use it server-side only.

X-API-Key: lpk_live_xxxxxxxxxxxxxxxxxxxxxxxx

3. Validate an account

POST /api/v1/validate

curl -X POST https://legitpaycheck.com/api/v1/validate \
  -H "X-API-Key: lpk_live_xxxxxxxxxxxxxxxxxxxxxxxx" \
  -H "Content-Type: application/json" \
  -d '{
    "routingNumber": "103000648",
    "accountNumber": "998169608"
  }'

Response 200

{
  "status": "open",
  "bank": "JPMORGAN CHASE BANK",
  "routingNumber": "103000648",
  "accountLast4": "9608",
  "cost": 0.09,
  "balance": 199.91
}

4. Status values

open — account exists and is active.
valid — routing + account pass verification.
invalid — details don't match a real account.
closed — account is no longer active.

5. Pricing & limits

$0.09 per query, deducted from your balance.
Rate limit: 1 request every 2 seconds per key (the query's execution time counts toward the interval).
If the verification service is unavailable, you are not charged and get a 502.

6. Errors

401  { "error": "missing_api_key" | "invalid_api_key" }
400  { "error": "bad_input", "message": "..." }
402  { "error": "insufficient_balance", "message": "..." }
429  { "error": "rate_limited", "retryAfterMs": 1200 }   // 1 req / 2s
502  { "error": "provider_unavailable" }                 // not charged