Send a VOP request to verify your counterparty's information
About our solution
Numeral's VOP solution is based on currently available information and technical documentation from the European Payments Council (EPC), including the Verification Of Payee Scheme Rulebook, the Verification Of Payee Inter-PSP API Specifications, and the API Security Framework.
Numeral is still waiting for the publication of critical EPC documentations, including the EPC's Directory Services documentation to finalise and launch its VOP solution.
Numeral has expressed its intent to participate as a routing and verification mechanism (RVM) via the EPC's call for interest and is listed as a compliant RVM.
Numeral actively participates in the EPC's RVM information sessions and intends to participate in the EPC's pilot phases.
| Attribute | Description |
|---|---|
object | Always payee_verification_request. |
id | The ID of the payee verification request |
status | The status of the payee verification request. See Payee verification request lifecycle for more details. |
status_details | More information about the payee verification request status. |
direction | The direction of the request. Can be outgoing or incoming. |
scheme | The scheme the request was sent on. Only vop is supported today. |
request | An object containing key information about the request. |
> payee_type | The type of the payee. Always null today. |
> payee_identification_type | The type of identification used in the request. See Supported identification type for more information. |
> payee_identification | The identification of the payee. |
> party_account_number | The account number of the payee. |
> additional_information | Additional information about the payee. |
> requesting_agent | The agent which sent the request. |
> responding_agent | The agent at which the request is aimed, i.e. the agent of the payee. |
matching_result | The 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_name | In case of matching_result = close_match, name suggested as correct by the responding agent. |
matching_details | Details of the request processing in case direction = incoming. |
> cleaned_identification | Payee identification after data cleaning (removing double spaces, honorific titles, etc.) |
> retrieved_identification | Payee identification retrieved in your account database (in Numeral or in your systems), using payee_account_number as a search key. |
> internal_account_id | If your account database is held in Numeral using internal accounts, the ID of the internal account matching payee_account_number. |
> matching_score | The score, from 0 to 100, of the matching algorithm configured for your entity when run with cleaned_identification and retrieved_identification. |
scheme_data | An object containing technical information about the request. |
> scheme_request_id | The unique ID of the request on the scheme. Different from id. |
> request_timestamp | The timestamp of the creation of the request. |
> response_timestamp | The timestamp of the answer to the request. |
created_at | The UTC timestamp of the creation of the outgoing VOP request. |
{
"object": "payee_verification_request",
"id": "c39d1eff-c5ed-4197-8f24-28a68bd0eee6",
"status": "completed",
"status_details": null,
"direction": "incoming",
"scheme": "vop",
"request": {
"payee_type": null,
"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": "c39d1eff-c5ed-4197-8f24-28a68bd0eee6",
"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": "2025-01-01T12:00:00Z"
}
{
"object": "payee_verification_request",
"id": "c39d1eff-c5ed-4197-8f24-28a68bd0eee6",
"status": "completed",
"status_details": null,
"direction": "outgoing",
"scheme": "vop",
"request": {
"payee_type": null,
"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": "c3d79e5a-2058-4301-8b36-353cb9eb0ca5",
"request_timestamp": "2025-01-26T13:51:10Z",
"response_timestamp": "2025-01-26T13:51:15Z",
},
"created_at": "2025-01-01T12:00:00Z"
}