A Verification of Payee example
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 payee 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
POST /v1/verification-of-payee
Authorization: Bearer <token>
{
"payee": {
"name": "Maria Rossi",
"iban": "DE89370400440532013000"
}
}{
"outcome": "match",
"matchedName": "Maria Rossi",
"respondingBic": "COBADEFFXXX",
"requestId": "vop_8f3a2c91",
"processedAt": "2026-06-24T10:00:00Z"
}The four outcomes, with examples
Every VoP response resolves to one of these four results.
match
The name fully matches the account holder — e.g. you sent 'Maria Rossi' and the account is 'Maria Rossi'.
close match
Almost right — e.g. you sent 'M. Rossi' and the holder is 'Maria Rossi'. The verified name is returned as a suggestion.
no match
The name doesn't match 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 payee bank is unreachable or the IBAN isn't covered yet.
Try it with your own data
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 (match, close match, no match or not possible), and for a close match the verified account name as a suggestion, plus the responding bank's BIC and a request reference.
Sending 'M. Rossi' when the account holder is 'Maria Rossi' typically returns a close match, with 'Maria Rossi' suggested so the payer can confirm or correct the name.
At minimum the payee 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
Get sandbox access and test real requests against all four outcomes.