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Bank Account Verification Service
Web service providing live verification of bank account's existence and owner name.
Bank Account Verification (BAV) also know as Verification of Payee (VOP) is an automated software providing real-time bank account name checking service.
Verify the identity of a new or existing payee. Match the name and account details (sort code and account number or IBAN) combination of beneficiary before make a payment.
Service key features:
- Confirm the existence of a bank account
- Verify / Match the beneficiary's name immediately
- Raise the level of transparency and security
- Reduce fraud and avoid human errors
- Easy-to-integrate REST API in all major platforms and programming languages
Supported VOP countries
- Austria AT
- Belgium BE
- Cyprus CY
- Germany DE
- Estonia EE
- Spain ES
- Finland FI
- France FR
- Greece GR
- Croatia HR
- Ireland IE
- Italy IT
- Lithuania LT
- Luxembourg LU
- Latvia LV
- Malta MT
- Netherlands NL
- Portugal PT
- Slovenia SI
- Slovakia SK
How Verification of Payee works?
Initiating
The requester submits a VoP request containing the Beneficiary Name and IBAN.
Routing
The system validates the IBAN-to-BIC mapping and identifies the account-holding BIC to route the request effectively.
Matching
The Responder PSP analyzes the account data to perform a matching check against the input provided.
Results
Check status is returned in seconds as one of the following:
- Match
- No Match
- Close Match
- Unavailable
Use Cases and Solutions
Verification of Payee API
Beneficiary Account Verification / Verification of Payee is a name checking service available via REST API.
Access to Real-time data
Ownership confirmation of the legal owner's name and account number match the information in seconds.
Reducing fraud & avoid errors
Increase the level of security by protecting against fraud in instant payments. Reduces misdirected payments caused by mistyping and formatting errors.
Quick and easy integration
The simpel and modern REST API allows you to implement the Confirmation of Payee / Bank Account Verification functionality in your business process with minimal effort.
Quick Start Integration
Get started instantly with our modern, secure REST API. Verify bank account ownership with a single API call.
1. The API Call (cURL Example)
Use a simple **POST** request to send the beneficiary details and your API key.
curl "https://api.iban.com/clients/api/verify/v3/" \
-X POST \
-H "Content-Type: application/json" \
-H "x-api-key:[YOUR_API_KEY]" \
-d '{
"IBAN":"FR7630006000011234567890189",
"name":"John Doe"
}'
2. Sample Responses
The response clearly indicates the match status provided by the bank.
✅ SUCCESSFUL MATCH
{
"query": {
"IBAN": "FR7630006000011234567890189",
"name": "John Doe",
"success": true
},
"result": {
"valid": true,
"name_match": "yes",
"bic": "AGRIFRPPXXX"
},
"error": ""
}
❌ MISMATCH / FAILURE
{
"query": {
"IBAN": "DE75512108001245126199 ",
"name": "Max Musterman",
"success": true
},
"result": {
"valid": true,
"name_match": "no",
"bic": "SOGEDEFFXXX"
},
"error": ""
}