Bring instant trust to your payments and onboardings
Designed for real-time verification, our API adds a layer of trust to your payments, onboarding and compliance processes. Any company can instantly confirm that a name and IBAN belong together before the money leaves their account.
Verification of Payee (VoP) is a real-time confirmation that ensures a payment is going to the right person or company.
Before processing a transfer, our API checks that the name or identifier (VAT, company number, etc.) matches the IBAN registered at the payee’s bank and returns a standardized result:
Match: the name and IBAN belong together
Close match: minor difference detected (typo, abbreviation, alias)
No match: details don’t correspond
Verification not possible: temporary or technical issue
It’s fast, transparent and compliant with the European Payments Council (EPC) VoP Rulebook.
VoP is for any organization that manages payments or sensitive onboarding.
Prevent fraud and misdirected payments before they happen
Build trust into every transaction
Automate account verification in your payment or onboarding flow
Eliminate manual document collection and validation
When creating a SEPA mandate, confirm in real time that the customer’s IBAN belongs to them without adding friction. The API works silently in the background and returns instant confirmation.
Industries: telecoms, energy suppliers, insurance, subscriptions…
Benefits: fewer rejected mandates, smoother onboarding, reduced fraud
When onboarding new suppliers or updating payment details, confirm that the provided IBAN belongs to the supplier.
Industries: ERP and AP software providers, wholesalers, distributors…
Benefits: secure supplier onboarding and automated account validation
For companies or public entities issuing mass payments (tax refunds, aid, reimbursements…), VoP confirms that the declared IBAN belongs to the intended beneficiary before funds are released.
Industries: public administrations, tax offices…
Benefits: secure and auditable disbursements, reduced payment errors
Other high-value scenarios include: compensation payments, insurance claims, refunds, payroll, loan disbursements…
In short: every context where account ownership matters.
1Your system calls our REST API with the payee’s name, VAT number or identifier + IBAN
2Digiteal routes the request to the relevant financial institution through the Routing & Verification Mechanism (RVM)
3The financial institution that issued the IBAN responds
4You receive a Match / Close Match / No Match response within milliseconds
A timestamp
A reference ID for audit purposes
Enrichment with the financial institution’s BIC and name
REST/JSON API with SDKs for Java, .NET, Python, and PHP, etc, ensuring rapid integration and development across diverse technology stacks.
Sandbox for testing and simulation
SLA-backed production environment
Dedicated developer and compliance support
COMPANY
Digiteal SA
BE 0630675588
LEI 9845000A44AB9CA60605
Rue Emile Francqui 6/9
1435 Mont-Saint-Guibert
Belgium
ABOUT DIGITEAL
