Create Payee Verification

post

https://partner-api.getpliant.com/api/vop/verification

Verify that a bank account belongs to the named person or company before initiating a transfer.

This endpoint implements the Verification of Payee (VoP) name-check service, mandatory under the SEPA Instant Payments Regulation (IPR) for SCT and SCT Inst transfers since 9 October 2025. A real-time request is sent to the recipient's bank to compare the submitted account holder name against their records.

Typical flow:

Call this endpoint before creating an external transfer.
Inspect the result.matchLevel in the response and decide whether to proceed.
Attach the returned verificationId as vopId in the external transfer creation request.
Verifications are valid for 60 minutes (status: ACTIVE). If re-verification is requested within that window, the same verificationId is returned.

Match level guidance:

`matchLevel`	Meaning	Recommended action
`MATCH`	Name and IBAN align perfectly	Proceed with confidence
`CLOSE_MATCH`	Minor discrepancy (e.g. typo)	Review `result.accountHolder` for the suggested correct name
`NO_MATCH`	Name belongs to a different person	Abort — high fraud risk
`UNAVAILABLE`	Recipient bank unreachable or unsupported	Proceed with caution

Responses

Language

Credentials

Bearer

JWT

URL

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Response

Choose an example:

application/json

200Ok

400Bad Request. The API consumer sent a malformed request which could not be processed.

401Unauthorized. The API consumer is not authorized to access the requested resource.

403Forbidden. The API consumer is not allowed to access the requested resource.

422Unprocessable Content. The request could not be completed due to contents of the request. The syntax of the request content was correct.

429Too Many Requests. The API consumer has sent too many requests in a given amount of time. Please check our API guidelines.

500Internal Server Error. The request was not completed due to an internal error.