post
https://api-sandbox.merge.money/v1/account//vop-check
Verify the payee details before making a payment. This endpoint performs a Verification of Payee (VoP) check to confirm that the account holder name matches the provided IBAN.
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Possible verification of payee status
The VoP feature enables the client to verify the accuracy of the payee details before issuing the payouts. Listed below are the possible responses with the required action.
| VOP Status | Description |
|---|---|
match |
The account details (name and IBAN) provided matched the information held by the payee bank. You can proceed with making your payment. |
no_match |
The account details (name or IBAN) do not match those of the payee's bank account. Proceeding with the payment could lead to the funds being sent to the wrong account, and you may not be able to recover the money. You are advised to re-check the payment details and not proceed with the payment. Please re-register the beneficiary with the correct payee name. |
check_not_possible |
Payee verification check is not possible or applicable at this time. You can retry later or double-check the payment details before proceeding. Proceeding with the payment could lead to the funds being sent to the wrong account, and you may not be able to recover the money. You are advised to re-check the payment details and not proceed with the payment. Please re-register the beneficiary with the correct payee details. |
close_match |
The provided payee name closely resembles the payee holder name. In this scenario, we will also return the name held at the payer bank. In this case, you should still verify the payment details before proceeding. Proceeding with the payment could lead to the funds being sent to the wrong account, and you may not be able to recover the money. You are advised to re-check the payment details and not proceed with the payment. Please register the beneficiary with the correct payee details. |