Un exemplu Verification of Payee
What does a VoP check actually look like? Here's a concrete example: the request you send, the JSON response you get back, and how each of the four outcomes appears.
What a VoP check looks like in practice
A Verification of Payee check is a single real-time question: does this name belong to this IBAN? You submit the begunstigde name and IBAN, and the responding bank returns a standardised outcome before the payment is authorised.
Below is a simplified example of the request and the response. The exact field names depend on the provider, but every VoP response maps to the same four scheme outcomes.
Example request
The four outcomes, with examples
Every VoP response resolves to one of these four results.
conformiteit
The name fully matches the titularul contului — e.g. you sent 'Maria Rossi' and the account is 'Maria Rossi'.
Bijna overeenkomst
Almost right — e.g. you sent 'M. Rossi' and the holder is 'Maria Rossi'. The verified name is returned as a suggestion.
Geen overeenkomst
The name doesn't Overeenkomst the IBAN — e.g. 'Acme Ltd' on an account held by 'Maria Rossi'. A strong fraud signal.
not possible
The check couldn't be completed — e.g. the begunstigde bank is unreachable or the IBAN isn't covered yet.
Przetestuj pe propriuch datelor
The RoxPay sandbox lets you send real names and IBANs and see exactly which outcome comes back — the fastest way to understand VoP behaviour before integrating.
FAQ
It's a small structured response containing the outcome (Overeenkomst, Bijna overeenkomst, Geen overeenkomst or not possible), and for a Bijna overeenkomst the verified account name as a suggestion, plus the responding bank's BIC and a request reference.
Sending 'M. Rossi' when the titularul contului is 'Maria Rossi' typically returns a Bijna overeenkomst, with 'Maria Rossi' suggested so the payer can confirm or correct the name.
At minimum the begunstigde name and IBAN. For legal persons an organisation identifier (such as a VAT or registration number) can also be included to improve matching accuracy.
Yes. RoxPay provides a sandbox and API documentation so you can send example requests and inspect the response for each outcome before going live.
See the VoP API in action
Obține acces sandbox and test real requests against all four outcomes.