BMO Account Validation API
Verifies U.S. account ownership and returns a risk-level score before a transfer is set up, checking submitted owner details against Early Warning Services' national transaction and identity database. OAuth 2.0 plus client API key, with encrypted payload fields.
BMO Account Validation API is one of 11 APIs that BMO publishes on the APIs.io network, described by a machine-readable OpenAPI specification.
Tagged areas include Account Validation, Fraud, and United States. The published artifact set on APIs.io includes an OpenAPI specification and API documentation.
This API exposes 1 operation across 1 path, and defines 12 schemas. It is described by OpenAPI 3.0.0, at version 1.0.
Requests are made against a single base URL, https://sandbox-open-api.bmo.com/open-banking/commercial-sb.
Metadata
The identity and technical contract details declared by the specification.
Authentication & Security 2
BMO Account Validation API declares
2 security schemes
for authenticating requests.
It supports OAuth 2.0 (OAuth) using the authorizationCode flow, exposing 1 scope.
An API key is passed in the header as x-api-key (x-api-key).
By default, every request must be authenticated.
Paths & Operations 1
Across 1 path, the API surfaces 1 operation — 1 POST. Each is listed below with its method, path, parameters, and response codes.
Schemas 12
The contract defines 12 schemas that model the data the API accepts and returns. The most detailed are OwnershipValidationResult (19 properties), AccountOwner (8 properties), Account (6 properties), Address (5 properties). Each schema is shown below with its type and property counts.
Specification
The full machine-readable OpenAPI contract behind this narrative.
Source
More from BMO 10
Other APIs BMO publishes across the network.
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