Retrieve Customer's Bound Accounts

The Account Binding Inquiry API (registration-account-inquiry) allows merchants to retrieve bank accounts previously bound to a customer through Ayoconnect Direct Debit.

Merchants can use this information to display available payment methods, select a bound account for Direct Debit payments, or identify alternative bound accounts for recurring payments.

Only successfully bound accounts are returned. Accounts that have been unbound will no longer appear in the response.

Account Information

The API provides the following account details:

Field	Description
Account Token	Unique token used to initiate Direct Debit payments with the bound account.
Binding Timestamp	Date and time when the account was successfully bound.
Masked Card Number	Masked account/card number, if provided by the bank.
Bank Code	Identifies the bank associated with the bound account.

Usage Considerations

A customer may have multiple bound bank accounts.
Merchants can use the returned account information to display available payment methods.
For recurring payments, merchants may use another eligible bound account if the original payment fails, subject to customer authorization and applicable bank restrictions.
If an account is no longer bound, the customer must complete the binding process again before it can be used for payment.

For request parameters and response specifications, refer to the Account Binding Inquiry API.