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Respond to VOP requests

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As a participant to the VOP scheme, you will receive and respond to VOP request as the responding PSP.

Numeral supports 3 main integration modes to better fit your needs.

Overview of the supported integration modes for incoming requests

Synchronised accounts

To respond to incoming VOP requests, you can create internal accounts in Numeral through API or file upload.

When a requesting PSP sends a request related to one of your account, Numeral will:

  • Check the request coherence, making sure the requesting PSP is a participant to the VOP scheme and that the request complies with the scheme's rulebook
  • Find the corresponding account using the IBAN
  • Computes matching using an algorithm which complies with the EU's Instant Payments Regulation and EPC's VOP scheme rulebook and recommendations.
Simplified flowchart of the synchronised accounts integration mode

Real-time calls to your core systems

Upon receiving a VOP request and after having verified its validity, Numeral will request account holder information from your system using the IBAN received to compute and return the result to the requesting PSP.

Simplified flowchart of the real-time calls integration mode

Pass-through integration

If you want to keep business logics in your systems, you can choose the pass-through integration mode. Numeral will perform checks on incoming requests and send an incoming_vop_request.pending event to your webhook so you can compute and result the result to be forwarded to the requesting PSP.

Simplified flowchart of the pass-through integration mode

Updated 4 days ago