Guide
Browser-Local Payment Code Checks
Learn how browser-local IBAN, BIC/SWIFT, SEPA, invoice, CSV, and test-data checks support privacy by avoiding uploads, logins, storage, and URL-based input.
Who this guide is useful for
Users and teams that want quick payment-code checks without uploading sensitive payment details or creating an account.
What browser-local checks mean
Browser-local checks run in the page on your device. BankCodeKit tools are designed so user-entered IBANs, BICs, invoice details, CSV rows, and payment references can be checked without uploading them to a server.
No upload, no login, no storage
The tools do not require a user account. They should not store full payment details in localStorage, cookies, analytics payloads, advertising scripts, server logs, or URLs.
Why sensitive values should stay out of tracking systems
Payment details can be sensitive. They should not be sent to analytics tools, ad scripts, debugging logs, URL query strings, or email unless there is a separate trusted process outside BankCodeKit.
Practical local-check workflow
A user can paste a value into a tool, review the local result, copy a formatted version when appropriate, and clear the tool without creating an account.
- IBAN Checker: validates the visible value in the browser.
- Bulk IBAN Validator: creates CSV results in the browser only.
- Invoice Formatter: copies a text block without saving it.
- Contact page: warns users not to email sensitive payment details.
Important limitations
BankCodeKit validates format and reference data only. It does not confirm account existence, account ownership, bank connectivity, sanctions status, fraud risk, payment readiness, or payment success.
- Browser-local checking does not confirm account existence.
- Browser-local checking does not confirm account ownership.
- Browser-local checking does not provide bank connectivity, sanctions, fraud-risk, or legal screening.
- Browser-local checking does not confirm payment readiness or payment success.
FAQ
Are values uploaded to BankCodeKit servers?
The tools are designed for browser-local checks, so user-entered payment details should not be uploaded.
Does BankCodeKit put input in URLs?
No. Tool input should not be placed in URLs or query strings.
Should I email payment details for support?
No. Do not email IBANs, BICs, invoices, CSV files, account numbers, or other sensitive financial details.
Can local checks replace bank verification?
No. Local checks are format review only and do not replace verification with a bank or payment provider.
Sources and update note
BankCodeKit keeps payment-code checks browser-local and uses local reference data for format and country information. Official public source pages are used for reference, but BankCodeKit does not perform live bank, account, sanctions, or payment-network verification. Reference data is reviewed periodically and does not imply live accuracy.
- Swift IBAN Registry Reference information for IBAN structure, country support, and format rules.
- Swift BIC / ISO 9362 information Reference information for Business Identifier Code structure and usage context.
- European Payments Council SEPA scheme countries list Reference information for countries and territories in SEPA scheme scope.
BankCodeKit validates format and reference data only. It does not confirm account existence, account ownership, bank connectivity, sanctions status, fraud risk, payment readiness, or payment success.
Last reviewed: 2026-05-15 Sources: Swift IBAN Registry, Swift BIC / ISO 9362 information, European Payments Council SEPA scheme countries list Reference data is reviewed periodically. BankCodeKit does not perform live bank, account, sanctions, or payment-network verification.