The VOP scheme supports name-based verification for all persons and identifier-based verification (IBAN + identification code) for legal persons. Mambu Payments supports any identifier code in both incoming and outgoing requests, as required by the EPC VOP Scheme Rulebook.

Check supported identification types

Before sending a VOP request with an organisation identifier, verify that the payee's PSP supports the identification type you want to use.

Send a GET request to /supported_identification_types with the payee's IBAN:

curl --request GET \
     --url 'https://api.numeral.io/v1/supported_identification_types?payee_account_number=FR5714508000406767772588K59' \
     --header 'accept: application/json' \
     --header 'x-api-key: <your_api_key>'

The response lists the identification types the payee's PSP supports:

{
  "payee_account_number": "FR5714508000406767772588K59",
  "payee_agent": "BDFEFRPPXXX",
  "supported_identification_types": ["name", "legal_entity_identifier", "siren"]
}

If the payee's PSP is not a VOP participant, the API returns a 404:

{
  "error": "validation_error",
  "message": "validation errors occurred while processing request",
  "details": [
    {
      "field": "payee_account_number",
      "reason": "payee agent is not participant"
    }
  ]
}

Identification types reference

The table below lists common identification types used across European countries. The payee_identification_type column shows the value to pass in the API request.

Identification type	`payee_identification_type`	Description
Name	`name`	The name of the legal entity or individual
LEI	`legal_entity_identifier`	A 20-character alphanumeric code identifying legal entities in financial transactions globally
Any BIC	`business_identification_code`	A BIC assigned by Swift
Bank party identification	`bank_identification`	A unique identifier assigned by a bank to identify a client relationship
Central bank identification number	`central_bank_identification`	A unique identifier assigned by a central bank
Clearing identification number	`clearing_house_identification`	A unique identifier assigned by a clearing house
Certificate of incorporation number	`company_incorporation_number`	A unique identifier assigned by a designated authority to a certificate of incorporation
Country identification code	`company_identification`	An organisation identifier assigned by a country authority (for example, a corporate registration number)
Customer number	`customer_number`	A number assigned by an issuer to identify a customer
DUNS number	`duns_number`	A unique identifier provided by Dun & Bradstreet
Employer identification number	`employee_number`	A number assigned by a registration authority to an employer
GS1 GLN identifier	`global_location_number`	A reference number used to identify legal, functional, or physical entities under the GS1 numbering scheme
SIREN	`siren`	A nine-digit code assigned by INSEE to identify an organisation in France
SIRET	`siret`	A 14-digit code assigned by INSEE to identify an organisational unit in France. Consists of the SIREN number followed by a five-digit classification number
Tax identification number	`tax_number`	A number assigned by a tax authority to identify an organisation
Business domain identification	`business_domain_identification`	A business domain-specific identifier
Other	`other_identification`	Any other identifier not covered above

VOP identification types

Check supported identification types

Identification types reference

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