Every Verification of Payee request includes a payee name and IBAN, and every response carries a verification outcome. That is exactly the kind of data that must be protected in transit and behind strong access control. Treat the VoP API like any other sensitive payment endpoint.
The core controls
- Transport security: use TLS, and mutual TLS (mTLS) where the provider supports it, so both sides authenticate.
- Access control: OAuth client credentials or scoped API tokens, not long-lived shared secrets in code.
- Least privilege: tokens scoped to only the VoP operations you need.
Protect the keys, not just the calls
Most API incidents come from leaked credentials, not broken cryptography. Store secrets in a vault, rotate them, and never commit them to source control.
Operational good practice
- 1 Rotate credentials regularly and on any suspected exposure.
- 2 Restrict access by IP allow-list where possible.
- 3 Log access and monitor for unusual call patterns.
- 4 Separate test and production credentials completely.
Security built into the API
RoxPay's Verification of Payee API supports modern transport and access security so your integration protects payee data by design, not as an afterthought.