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When providing beneficiary account data during payment creation or during RFIs, OFIs may need to submit tax IDs or bank account numbers that follow a specific format. You can often validate these numbers by calculating their check digits. This topic describes how to checksum various account and tax ID numbers.

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CNPJ

The CNPJ number is a 14 digit number in the following format:
  • First 8 digits: base number
  • Digits 9-12: branch number
  • Last 2 digits: check digits
CNPJ numbers are never all the same digit. The check digits are calculated in a specific way that you can replicate to validate the number.

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First check digit

You can calculate the first check digit (digit 13) of a CNPJ number as follows:
  1. Multiply the first 12 digits by the following weights, according to their position: 5, 4, 3, 2, 9, 8, 7, 6, 5, 4, 3, 2
  2. Sum the products
  3. Calculate the remainder of the sum divided by 11
  4. If the remainder is less than 2, the check digit is 0
  5. Otherwise, the check digit is 11 - {remainder}

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Second check digit

You can calculate the second check digit (digit 14) of a CNPJ number as follows:
  1. Multiply the first 13 digits by the following weights, according to their position: 6, 5, 4, 3, 2, 9, 8, 7, 6, 5, 4, 3, 2
  2. Sum the products
  3. Calculate the remainder of the sum divided by 11
  4. If the remainder is less than 2, the check digit is 0
  5. Otherwise, the check digit is 11 - {remainder}

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Example

The following is an example of validating the CNPJ number 11.444.777/0001-61: First digit
  • Weighting and sum: ((1*5 + 1*4 + 4*3 + 4*2 + 4*9 + 7*8 + 7*7 + 7*6 + 0*5 + 0*4 + 0*3 + 1*2) = 162)
  • Remainder and check digit: (11 - (184 % 11) = 1) (matches 13th digit)
Second digit
  • Weighting and sum: ((1*6 + 1*5 + 4*4 + 4*3 + 4*2 + 7*9 + 7*8 + 7*7 + 0*6 + 0*5 + 0*4 + 1*3 + 6*2) = 184)
  • Remainder and check digit: (11 - (184 % 11) = 1) (matches 14th digit)

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CPF

The CPF number is an 11 digit number that is not all the same digit. The 10th and 11th digits are check digits. The check digits are calculated in a specific way that you can replicate to validate the number.

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First check digit

You can calculate the first check digit (digit 10) of a CPF number as follows:
  1. Multiply the first 9 digits by the following weights, according to their position: 10, 9, 8, 7, 6, 5, 4, 3, 2
  2. Sum the products
  3. Calculate the remainder of the sum divided by 11
  4. If the remainder is less than 2, the check digit is 0
  5. Otherwise, the check digit is 11 - {remainder}

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Second check digit

You can calculate the second check digit (digit 11) of a CPF number as follows:
  1. Multiply the first 10 digits by the following weights, according to their position: 11, 10, 9, 8, 7, 6, 5, 4, 3, 2
  2. Sum the products
  3. Calculate the remainder of the sum divided by 11
  4. If the remainder is less than 2, the check digit is 0
  5. Otherwise, the check digit is 11 - {remainder}

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Example

The following is an example of validating the CPF number 529.982.247-25: First digit
  • Weighting and sum: ((5*10 + 2*9 + 9*8 + 9*7 + 8*6 + 2*5 + 2*4 + 4*3 + 7*2) = 295)
  • Remainder and check digit: (11 - (295 % 11) = 2) (matches 10th digit)
Second digit
  • Weighting and sum: ((5*11 + 2*10 + 9*9 + 9*8 + 8*7 + 2*6 + 2*5 + 4*4 + 7*3 + 2*2) = 347)
  • Remainder and check digit: (11 - (347 % 11) = 5) (matches 11th digit)
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