Verification of Payee (VoP)

The Verification of Payee (VoP) API allows you to integrate beneficiary verification directly into management systems, e-commerce platforms, and business applications. By sending an instant request to the recipient's PSP, the service verifies in real time whether the IBAN matches the account holder's name entered by the payer. A key solution for blocking unauthorized transactions and protecting operations against fraud, phishing, and costly chargebacks.

VOP IBAN VERIFICATION

To perform the verification, you need to send a request to the  POST/iban-vop/{iban} endpoint. The IBAN number can be passed either through the endpoint or in the payload together with the name. 

REQUEST EXAMPLE

POST/iban-vop/{iban}

Here is an example request to verify an IBAN:

POST https://trust.openapi.com/iban-vop/IT60X0542811101000000123456

In the Payload, you need to provide the name (correctly formatted):

{
    "Name": "Mario Rossi"
}

The Payload can also include a callback to receive a notification when the result becomes available.

{
 "name": "Mario Openapi",
  "callback": {
    "method": "JSON",
    "field": "data",
    "url": "[https://your-server.site/iban-callback](https://your-server.site/iban-callback)",
    "headers": {
      "session\_id": "9834r5fh589494"
    }
    "custom": {
      "orderId": "iban-check-789"
    }
  }
}

RESPONSE EXAMPLE

POST/iban-vop/{iban}

The response always contains the request ID. If the PSP responds immediately, the result will already be available. Otherwise, you will receive it via callback. 

{
  "success": true,
  "message": "Success",
  "error": null,
  "data": {
    "id": "69c117af962df6cee50c9525",
    "iban": "IT60X0306905020000000123456",
    "name": "Mario Rossi"
    "state": "DONE"
    "status": "Verification completed"
    "VopResult": "MATCH",
    "details":{
    "matchType": "MTCH",
    "ownerName": "Mario Rossi",
    "iban": "IT60X0306905020000000123456",
   },  
  "createdAt": "2026-08-10T12:43:45+00:00",
  "updatedAt": "2026-08-10T13:48:54+00:00"
}

The verification can return 5 possible results: 

RETRIEVING THE VERIFICATION RESULT

If the initial response is not immediately available or you want to retrieve the result of a previous verification, you can use the GET/iban-vop/{id} endpoint, passing the ID received in the previous request.

REQUEST EXAMPLE

GET/iban-vop/{id}

GET [https://trust.openapi.com/iban-vop/69c117af962df6cee50c9525](https://trust.openapi.com/iban-vop/69c117af962df6cee50c9525)

RESPONSE EXAMPLE

GET/iban-vop/{id}

The response will have the same structure as above:

{
  "success": true,
  "message": "Success",
  "error": null,
  "data": {
    "id": "69c117af962df6cee50c9525",
    "iban": "IT60X0306905020000000123456",
    "name": "Mario Rossi"
    "state": "DONE"
    "status": "Verification completed"
    "VopResult": "MATCH",
    "details":{
    "matchType": "MTCH",
    "ownerName": "Mario Rossi",
    "iban": "IT60X0306905020000000123456",
   },  
  "createdAt": "2026-08-10T12:43:45+00:00",
  "updatedAt": "2026-08-10T13:48:54+00:00"
}

WHO IS IT FOR?

The VoP (Verification of Payee) API is designed for companies and platforms that manage payments and money transfers and want to verify in real time that the beneficiary's name matches the IBAN before authorizing a transaction. It is particularly suitable for fintechs, neobanks, payment platforms, and money transfer services, which can reduce the risk of payments being sent to incorrect or fraudulent accounts; accounting software, ERP, and financial management systems, which can automate IBAN verification during payment entry and approval; marketplaces, crowdfunding platforms, delivery platforms, and other platforms that make payments to sellers and suppliers, to protect payouts and prevent fraud related to changes to bank account details; and PSPs, payment gateways, and B2B payment platforms, which can integrate beneficiary verification directly into their services and offer it to their customers as an additional layer of security and control.