Payee verification request object

Learn how to send and respond to payee verification requests with Numeral

AttributeDescription
objectAlways payee_verification_request.
idThe ID of the payee verification request.
statusThe status of the payee verification request. See Payee verification request lifecycle for more details.
status_detailsMore information about the payee verification request status, in case status = failed. Possible values include:
  • Party agent is not a participant
  • Identification type is not supported by party agent
  • PSP took more than 5 seconds to respond
directionThe direction of the request. Can be outgoing or incoming.
schemeThe payee verification scheme used. Only vop is supported.
requestAn object containing key information about the request.
> payee_identification_typeThe type of identification used in the request. See Get supported identification types for a payee account for more information.
> payee_identificationThe identification of the payee.
> party_account_numberThe account number of the payee.
> additional_informationAdditional information about the payee.
> requesting_agentThe BIC of the agent which sent the request.
> responding_agentThe BIC of the agent at which the request is aimed, i.e. the agent of the payee.
matching_resultThe result of the verification. Can be match, close_match, no_match, or impossible_match. Note that close_match is only possible when payee_identification_type = name.
payee_suggested_nameIn case of matching_result = close_match, name suggested as correct by the responding agent.
matching_detailsDetails of the request processing in case direction = incoming.
> cleaned_identificationPayee identification after data cleaning (removing double spaces, honorific titles, etc.)
> retrieved_identificationPayee identification retrieved in your account database (in Numeral or in your systems), using payee_account_number as a search key.
> internal_account_idIf your account database is held in Numeral using internal accounts, the ID of the internal account matching payee_account_number.
> matching_scoreThe score, from 0 to 100, of the matching algorithm configured for your entity when executed with cleaned_identification and retrieved_identification.
scheme_dataAn object containing technical information about the request.
> scheme_request_idThe unique ID of the request on the scheme. Different from id.
> request_timestampThe timestamp of the creation of the request.
> response_timestampThe timestamp of the answer to the request.
created_atThe UTC timestamp of the creation of the VOP request.
{
  "object": "payee_verification_request",
  "id": "c39d1eff-c5ed-4197-8f24-28a68bd0eee6",
  "status": "completed",
  "status_details": null,
  "direction": "incoming",
  "scheme": "vop",
  "request": {
    "payee_identification_type": "name",
    "payee_identification": "Jean Dupont",
    "payee_account_number": "FR5012739000308682265435N36",
    "payee_additional_information": "Mr. Jean Dupont",
    "requesting_agent": "SOMEBICXXX",
    "responding_agent": "BANKITPPXXX"
  },
  "matching_result": "match",
  "payee_suggested_name": null,
  "matching_details": {
    "cleaned_identification": "Jean Dupont",
    "retrieved_identification": "Jean Dupont",
    "internal_account_id": "e5cf0c31-c5fb-4e00-80fe-4338838d7493",
    "matching_score": 100
  },
  "scheme_data": {
    "scheme_request_id": "c3d79e5a-2058-4301-8b36-353cb9eb0ca5",
    "request_timestamp": "2025-01-26T13:51:10Z",
    "response_timestamp": "2025-01-26T13:51:15Z",
  },
  "created_at": "2025-02-12T01:34:24Z"
}
{
  "object": "payee_verification_request",
  "id": "2af40267-67b1-4140-9e67-2f65ff11655e",
  "status": "completed",
  "status_details": null,
  "direction": "outgoing",
  "scheme": "vop",
  "request": {
    "payee_identification_type": "name",
    "payee_identification": "Jean Dupont",
    "payee_account_number": "FR5012739000308682265435N36",
    "payee_additional_information": "Mr. Jean Dupont",
    "requesting_agent": "SOMEBICXXX",
    "responding_agent": "BANKITPPXXX"
  },
  "matching_result": "match",
  "payee_suggested_name": null,
  "matching_details": null,
  "scheme_data": {
    "scheme_request_id": "76e64988-1d5e-4fd0-ad0a-142bb1f9b837",
    "request_timestamp": "2025-01-26T13:51:10Z",
    "response_timestamp": "2025-01-26T13:51:15Z",
  },
  "created_at": "2025-01-01T12:00:00Z"
}