TIN Validation

For transactions in jurisdictions that require a Tax Identification Number (TIN), Banxa validates the submitted value against the format and checksum rules for the user's country. The specific field type collected depends on the country — some countries use a national tax ID, others use a national identity number, and the US uses an SSN.

TIN collection is triggered by eligibility — it is required when a transaction meets the threshold for the Standard or Express tier in a TIN-required jurisdiction (primarily Europe). Partners do not need to determine when to collect it; the eligibility response will include it as a requirement when applicable.

The type value indicates which identifier Banxa collects and validates for each country.

Format and checksum rules applied when validating a submitted TIN.

Format: DNI (7-8 digits) OR CUIT (11 digits) Regex: /^(?:\d{7,8}|\d{2}-\d{8}-\d)$/ (normalized) Validation:

• DNI: Simple 7-8 digit number
• CUIT: 11 digits with Modulo 11 checksum Valid Examples: 12345678, 20-12345678-9

Format: 9 digits (Abgabenkontonummer) Regex: /^\d{9}$/ Validation: Luhn-like algorithm with weighted sum

• Odd positions (1-based): Add digit directly
• Even positions (1-based): Multiply by 2, add cross-sum
• Check digit = (10 - (sum % 10)) % 10 Valid Examples: 123456789

Format: 11 digits (National Number) Regex: /^\d{11}$/ Validation: Modulo 97 checksum

• Pre-2000: Check = 97 - (First9Digits % 97)
• Post-2000: Check = 97 - ((2000000000 + First9Digits) % 97) Valid Examples: 85073003361, 00012312345

Format: 10 digits (EGN - Unified Civil Number) Regex: /^\d{10}$/ Validation: Weighted sum modulo 11

• Weights: [2, 4, 8, 5, 10, 9, 7, 3, 6]
• If remainder < 10: check digit = remainder
• If remainder == 10: check digit = 0 Valid Examples: 1234567890

Format: 11 digits (CPF) Regex: /^\d{11}$/ Validation: Dual check-digit validation (Modulo 11)

• First check digit: Weighted sum of first 9 digits
• Second check digit: Weighted sum of first 10 digits Valid Examples: 12345678909

Format: 7-9 characters (RUT/CI) Regex: /^\d{7,8}[0-9K]$/ (normalized) Validation: Modulo 11 checksum

• Multipliers cycle: 2, 3, 4, 5, 6, 7, 2, 3...
• Remainder 11 → '0', Remainder 10 → 'K', else → digit Valid Examples: 12.345.678-5, 12345678-5, 12.345.670-K

Format: 6-10 digits (CC - Cédula de Ciudadanía) Regex: /^\d{6,10}$/ Validation: Format only (no checksum) Valid Examples: 123456, 1234567890

Format: 8 digits + 1 letter (TIC) Regex: /^\d{8}[A-Z]$/ Validation: Custom translation map for even indices

• Even indices use translation map
• Odd indices add directly
• Sum % 26 → Letter (A-Z) Valid Examples: 12345678A

Format: 9 or 10 digits (DIČ/RČ) Regex: /^\d{9,10}$/ Validation:

• 10 digits: (First 9 % 11) % 10 == 10th digit
• 9 digits: No checksum (pre-1954) Valid Examples: 1234567890, 123456789

Format: 11 digits (Steuer-Identifikationsnummer) Regex: /^\d{11}$/ Validation: ISO 7064 Mod 11,10 + structure check

• First digit cannot be 0
• Exactly one digit must repeat 2 or 3 times in first 10 digits
• ISO 7064 Mod 11,10 checksum Valid Examples: 12345678902

Format: 10 digits (CPR) Regex: /^\d{10}$/ Validation: Format only (no checksum) Valid Examples: 1234567890

Format: 11 digits (Isikukood) Regex: /^\d{11}$/ Validation: Weighted sum modulo 11 (two-stage)

• Weights1: [1, 2, 3, 4, 5, 6, 7, 8, 9, 1]
• If remainder == 10, use Weights2: [3, 4, 5, 6, 7, 8, 9, 1, 2, 3]
• If still 10, check digit = 0 Valid Examples: 12345678901

Format: NIF (8 digits + letter) OR NIE (X/Y/Z + 7 digits + letter) Regex: /^(\d{8}|[XYZ]\d{7})[A-Z]$/ Validation: Modulo 23 with letter mapping

• NIE: Replace X→0, Y→1, Z→2
• Number % 23 → Letter from "TRWAGMYFPDXBNJZSQVHLCKE" Valid Examples: 12345678Z, X1234567L

Format: 11 characters (HETU) Regex: /^\d{6}[+\-A]\d{3}[0-9A-Z]$/ Validation: Modulo 31 checksum

• Combine DDMMYY + NNN (ignore separator)
• Number % 31 → Check char from "0123456789ABCDEFHJKLMNPRSTUVWXY" Valid Examples: 010190-123A

Format: 13 digits (NIF) Regex: /^[0-3]\d{12}$/ Validation: Format only - first digit must be 0, 1, 2, or 3 Valid Examples: 0123456789012, 1123456789012

Format: 2 letters + 6 digits + 1 letter (NINO) Regex: /^[A-CEGHJ-PR-TW-Z]{1}[A-CEGHJ-NPR-TW-Z]{1}[0-9]{6}[A-D]{1}$/ Validation: Format + forbidden prefix check

• Forbidden prefixes: BG, GB, KN, NK, NT, TN, ZZ, OO Valid Examples: AB123456C

Format: 9 digits (AFM) Regex: /^\d{9}$/ Validation: Weighted sum modulo 11

• Weights: [256, 128, 64, 32, 16, 8, 4, 2]
• Check digit = (Sum % 11) % 10 Valid Examples: 123456789

Format: 11 digits (OIB) Regex: /^\d{11}$/ Validation: ISO 7064 Mod 11,10 Valid Examples: 12345678901

Format: 10 digits (Adóazonosító jel) Regex: /^\d{10}$/ Validation: Weighted sum modulo 11

• Weights: [1, 2, 3, 4, 5, 6, 7, 8, 9]
• If remainder == 10: Invalid
• Else: Check digit = remainder Valid Examples: 1234567890

Format: 7 digits + 1 or 2 letters (PPS) Regex: /^\d{7}[A-Z]{1,2}$/ Validation: Weighted sum modulo 23

• Weights for first 7 digits: [8, 7, 6, 5, 4, 3, 2]
• If 9 chars, add (9th char value × 9) to sum
• Remainder 0 → 'W', else → letter from A-Z Valid Examples: 1234567W, 1234567WA

Format: 16 characters (Codice Fiscale) Regex: /^[A-Z]{6}\d{2}[ABCDEHLMPRST]\d{2}[A-Z]\d{3}[A-Z]$/ Validation: Complex odd/even position mapping

• Odd positions: Custom value map
• Even positions: 0-9 = 0-9, A-Z = 0-25
• Sum % 26 → Check letter Valid Examples: RSSMRA00A01H501X

Format: 11 digits (Asmens kodas) Regex: /^\d{11}$/ Validation: Same as Estonia (two-stage weighted sum)

• Weights1: [1, 2, 3, 4, 5, 6, 7, 8, 9, 1]
• If remainder == 10, use Weights2: [3, 4, 5, 6, 7, 8, 9, 1, 2, 3] Valid Examples: 12345678901

Format: 11 digits (Personas kods) Regex: /^\d{11}$/ Validation: Format only (post-2017 IDs have no checksum) Valid Examples: 12345678901

Format: 13 digits (Matricule) Regex: /^\d{13}$/ Validation: Dual checksum (Luhn + Verhoeff)

• 12th digit = Luhn checksum of first 11 digits
• 13th digit = Verhoeff checksum of first 11 digits Valid Examples: 1234567890123

Format: 7 digits + letter OR 9 digits Regex: /^(\d{7}[ABGHLMPZ]|\d{9})$/ Validation: Format only

• Identity Card: 7 digits + letter (A, B, G, H, L, M, P, Z)
• Taxpayer Reference: 9 digits Valid Examples: 1234567M, 123456789

Format: 18 characters (CURP) Regex: /^[A-Z]{4}\d{6}[HM][A-Z]{5}[A-Z0-9]\d$/ Validation: Format only (case-insensitive) Valid Examples: HEGG560427MVZRRL04

Format: 9 digits (BSN) Regex: /^\d{9}$/ Validation: 11-test (weighted sum)

• Weights: [9, 8, 7, 6, 5, 4, 3, 2, -1]
• Sum % 11 must equal 0 Valid Examples: 123456782

Format: 11 digits (PESEL) Regex: /^\d{11}$/ Validation: Weighted sum

• Weights: [1, 3, 7, 9, 1, 3, 7, 9, 1, 3]
• Check digit = (10 - (sum % 10)) % 10 Valid Examples: 12345678901

Uses US SSN validation (same as US)

Format: 9 digits (NIF) Regex: /^\d{9}$/ Validation: Weighted sum modulo 11

• Weights: [9, 8, 7, 6, 5, 4, 3, 2]
• If remainder < 2: check digit = 0
• Else: check digit = 11 - remainder Valid Examples: 123456789

Format: 13 digits (CNP) Regex: /^\d{13}$/ Validation: Weighted sum modulo 11

• Weights: [2, 7, 9, 1, 4, 6, 3, 5, 8, 2, 7, 9]
• If remainder == 10: check digit = 1
• Else: check digit = remainder Valid Examples: 1234567890123

Format: 10 or 12 digits (Personnummer) Regex: /^(\d{10}|\d{12})$/ Validation: Luhn algorithm

• If 12 digits, drop first 2 (century)
• Luhn checksum on remaining 10 digits Valid Examples: 1234567890, 201234567890

Format: 8 digits (Davčna številka) Regex: /^\d{8}$/ Validation: Weighted sum modulo 11

• Weights: [8, 7, 6, 5, 4, 3, 2]
• If remainder 0 or 1: check digit = 0
• Else: check digit = 11 - remainder Valid Examples: 12345678

Format: 9 or 10 digits (Rodné číslo) Regex: /^\d{9,10}$/ Validation:

• 10 digits: (First 9 % 11) % 10 == 10th digit
• 9 digits: No checksum (pre-1954) Valid Examples: 1234567890, 123456789

Format: 13 digits (TIC) Regex: /^\d{13}$/ Validation: Format only (no checksum) Valid Examples: 1234567890123

Format: 9 digits (SSN) Regex: Complex validation (not simple regex) Validation: Multiple rules

• Cannot start with 666, 000, or 9xx
• Group number (digits 4-5) cannot be 00
• Serial number (digits 6-9) cannot be 0000 Valid Examples: 123-45-6789, 123456789 Invalid Examples: 666-12-3456, 000-12-3456, 123-00-3456

Format: 13 digits (SAID) Regex: /^\d{13}$/ Validation: Luhn checksum

• Last digit must match Luhn checksum of first 12 digits Valid Examples: 8001015009087

Total: 36 countries supported Validation Types:

• Simple Regex: 6 countries (CO, DK, FR, LV, MX, TH)
• Checksum Validation: 30 countries (various algorithms)