Verification of Payee (VoP) checks that the name on a payment matches the account holder behind the IBAN before money moves. Under the EU Instant Payments Regulation it is mandatory for euro credit transfers, but the integration itself does not need to be complex. With RoxPay it comes down to a handful of steps.
1. Get sandbox credentials
Start by requesting sandbox API keys. The sandbox mirrors production behaviour with test data, so you can build and verify your flow without touching live accounts or real customers.
2. Call the verification endpoint
Send the payee name and IBAN to a single endpoint. RoxPay routes the check to the right scheme and bank, normalises the response and returns a clear outcome — you do not manage individual bank connections yourself.
One endpoint, full coverage
Instead of integrating each bank or scheme separately, you call one RoxPay endpoint and get normalised results across SEPA reachable accounts.
3. Handle the four outcomes
- Match: name and account holder agree — let the payment proceed.
- Close match: a near match (e.g. abbreviation) — show the suggested name and let the payer confirm.
- No match: the names differ — warn the payer before they continue.
- Verification not possible: the bank could not answer — explain and let the payer decide.
4. Design the payer experience
The technical call is only half the job. Map each outcome into clear, non-alarming UI so payers understand what to do. A close match should suggest the verified name; a no match should warn without blocking legitimate payments outright.
5. Go live
Once your flow handles every outcome and you have load tested against realistic peaks, swap sandbox keys for production keys. RoxPay's monitoring and logging help you watch the integration in the days after go-live.