Verification of Payee API

Reduce payment fraud with EPC-compliant real-time payee verification

Get Started View API Docs

Why Choose VOP API?

✅ EPC VOP v1.0.1 Compliant

Full compliance with European Payments Council standards for seamless integration across SEPA

🚀 Developer-ready Integration

Well-documented REST endpoints with interactive docs, clear examples, and standardized error handling

🔍 Intelligent Matching

Advanced close-match algorithms for names and organization identifiers across multiple languages

🧪 Free Test Environment

Comprehensive sandbox with test data covering all verification scenarios

🔒 Enterprise Security

JWT authentication for requests, mTLS for bank integrations on the response side

⚡ High Performance

Instant response times with 99.9% uptime on AWS infrastructure

Integration Options

For Payment Service Providers

POST
/vop/v1/request

Submit payee verification requests as a Requesting PSP. Supports name verification, LEI, BIC, and 14 other organization ID types.

  • JWT authentication
  • 100+ requests/minute (test)
  • Real-time responses
View Documentation

For Banks & Account Providers

POST
/vop/v1/payee-verifications

Become a Responding PSP and provide verification services. Multiple integration options available.

  • mTLS authentication
  • API or file-based integration
  • Multi-language close match support
Contact for Integration

Quick Start

1

Get API Credentials

Register for test environment access

2

Make Your First Call

Use our Postman collection or code examples

3

Test Scenarios

Verify all use cases with test data

4

Go to Production

Upgrade when ready for live verification

Simple Integration

import requests

# Verify a payee before payment
response = requests.post(
    "https://environmentDefaultValue.trendtech.uk/vop/v1/request",
    headers={
        "Authorization": "Bearer YOUR_TOKEN",
        "Content-Type": "application/json",
        "X-Request-ID": "550e8400-e29b-41d4-a716-446655440000"
    },
    json={
        "party": {"name": "John Doe"},
        "partyAccount": {"iban": "BE12345678901234"},
        "partyAgent": {"financialInstitutionId": {"bicfi": "GEBABEBBXXX"}},
        "requestingAgent": {"financialInstitutionId": {"bicfi": "DEUTDEFFXXX"}}
    }
)

if response.json().get("partyNameMatch") == "MTCH":
    print("✅ Payee verified - proceed with payment")
elif response.json().get("partyNameMatch") == "CMTC":
    print(f"⚠️ Close match: {response.json().get('matchedName')}")
else:
    print("❌ Verification failed - review payment details")