Payments intelligence post validate

Skill bobadilla-tech/requiems-api-skills/skills/payments-intelligence-post-validate

Validate and cross-check BIN, IBAN, and SWIFT identifiers in one call. Returns per-field results and a consistency check that flags country and bank mismatches.From its SKILL.md

Install

npx -y skills add bobadilla-tech/requiems-api-skills --skill payments-intelligence-post-validate

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SKILL.md

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Endpoint

POST https://api.requiems.xyz/v1/systems/payment/validate

Validate Payment

Validate and cross-check BIN, IBAN, and SWIFT identifiers in one call. Returns per-field results and a consistency check that flags country and bank mismatches.

Parameters

Name	Type	Required	Location	Description
`bin`	string	no	body	Card BIN (first 6–8 digits). At least one of bin, iban, or swift is required.
`iban`	string	no	body	IBAN string to validate. Checksum and format are verified.
`swift`	string	no	body	SWIFT/BIC code to look up institution and country.

Request Example

{
  "bin": "424242",
  "iban": "DE89370400440532013000",
  "swift": "DEUTDEDB"
}

Response Example

{
  "data": {
    "bin": {
      "valid": true,
      "scheme": "visa",
      "card_type": "debit",
      "card_level": "classic",
      "country_code": "US",
      "issuer": "JPMorgan Chase",
      "prepaid": false,
      "luhn": true
    },
    "iban": {
      "valid": true,
      "country_code": "DE",
      "bank_code": "37040044",
      "account_number": "0532013000"
    },
    "swift": {
      "valid": true,
      "institution": "Deutsche Bank",
      "country": "DE",
      "branch": "Frankfurt"
    },
    "consistency": {
      "ok": false,
      "flags": ["country_mismatch_bin_iban"]
    }
  },
  "metadata": {
    "timestamp": "2026-01-01T00:00:00Z"
  }
}

Response Fields

Field	Type	Description
`bin`	object or null	BIN result. Null when bin was not provided. Contains valid, scheme, card_type, card_level, country_code, issuer, prepaid, luhn.
`iban`	object or null	IBAN result. Null when iban was not provided. Contains valid, country_code, bank_code, account_number.
`swift`	object or null	SWIFT result. Null when swift was not provided. Contains valid, institution, country, branch.
`consistency.ok`	boolean	True when no cross-field mismatches were detected
`consistency.flags`	array	Mismatch flags. Possible values: country_mismatch_bin_iban, country_mismatch_bin_swift, country_mismatch_iban_swift, bank_mismatch_iban_swift

Errors

undefined 422 — All of bin, iban, and swift were omitted. At least one is required.
undefined 401 — Missing or invalid API key

What ships with it

Read from the repository

Just SKILL.md. No reference files, no scripts.