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The EPC Verification of Payee (VoP) scheme enables real-time verification of IBAN account details across SEPA countries. This synchronous verification service validates account holder names against the receiving bank’s records using IBAN identifiers. Processing mode: synchronous

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Verification capabilities

  • Account status: ACTIVE, NOT_FOUND
  • Beneficiary name match status: FULL_MATCH, PARTIAL_MATCH, NO_MATCH
  • Optional beneficiary name disclosure (in cases of PARTIAL_MATCH)
All banks participating in the EPC Verification of Payee (VoP) scheme are supported. For the complete list of participating banks with their BICs and readiness dates, please refer to the EPC VOP Register of Participants.
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country
string
required
ISO 3166-1 alpha-2 country code
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creditorAccount.id.value
string
required
IBAN value
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creditorAccount.id.type
string
required
Must be IBAN
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creditor.name
string
required
Account holder name for matching

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Scheme response codes

The VoP scheme returns specific response codes that indicate the verification outcome. These codes are mapped to high-level status fields.
schemeResponseCodeDescriptionaccountStatusnameMatchStatus
EPC_VOP_MTCHMatchACTIVEFULL_MATCH
EPC_VOP_CMTCClose MatchACTIVEPARTIAL_MATCH
EPC_VOP_NMTCNo MatchACTIVENO_MATCH
EPC_VOP_NOAPUnable to matchNOT_FOUND
You can either use schemeResponseCode directly, or rely on the derived accountStatus and accountHolderName.matchStatus fields in your integration.

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Examples

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Full match

The provided name matches the account holder exactly.
Request
{
  "details": {
    "country": "IE",
    "creditorAccount": {
      "id": {
        "value": "IE76IPBS99077134812287",
        "type": "IBAN"
      }
    },
    "creditor": {
      "name": "Kaleb McDonald"
    }
  }
}
Response
{
  "id": "4baa21f5-4df8-4ecf-999e-cd57e454ed9c",
  "createdDate": "2025-11-10T00:22:22.061784Z",
  "updatedDate": "2025-11-10T00:22:22.061784Z",
  "state": "COMPLETED",
  "result": {
    "accountStatus": "ACTIVE",
    "accountHolderName": {
      "matchStatus": "FULL_MATCH"
    },
    "schemeResponseCode": "EPC_VOP_MTCH"
  }
}

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Close match

The provided name is similar but not an exact match. The verified name is disclosed to help correct the input.
Request
{
  "details": {
    "country": "IE",
    "creditorAccount": {
      "id": {
        "value": "IE76IPBS99077134812287",
        "type": "IBAN"
      }
    },
    "creditor": {
      "name": "Kalleb McDonald"
    }
  }
}
Response
{
  "id": "b2a18dce-df01-4930-99ea-0e993c267ce9",
  "createdDate": "2025-11-10T00:22:22.556903Z",
  "updatedDate": "2025-11-10T00:22:22.556903Z",
  "state": "COMPLETED",
  "result": {
    "accountStatus": "ACTIVE",
    "accountHolderName": {
      "matchStatus": "PARTIAL_MATCH",
      "verifiedName": "KALEB MCDONALD"
    },
    "schemeResponseCode": "EPC_VOP_CMTC"
  }
}

​
No match

The provided name does not match the account holder.
Request
{
  "details": {
    "country": "IE",
    "creditorAccount": {
      "id": {
        "value": "IE76IPBS99077134812287",
        "type": "IBAN"
      }
    },
    "creditor": {
      "name": "Kyle McDonald"
    }
  }
}
Response
{
  "id": "3857dc10-c36d-4e77-8d2f-61bf129505d2",
  "createdDate": "2025-11-10T00:22:22.947131Z",
  "updatedDate": "2025-11-10T00:22:22.947131Z",
  "state": "COMPLETED",
  "result": {
    "accountStatus": "ACTIVE",
    "accountHolderName": {
      "matchStatus": "NO_MATCH"
    },
    "schemeResponseCode": "EPC_VOP_NMTC"
  }
}

​
Unable to match

The VoP check cannot be performed. This may occur due to technical or regulatory reasons, such as the beneficiary’s bank not participating in VoP or temporary technical issues.
Request
{
  "details": {
    "country": "IE",
    "creditorAccount": {
      "id": {
        "value": "IE06IPBS99077134812286",
        "type": "IBAN"
      }
    },
    "creditor": {
      "name": "Kaleb McDonald"
    }
  }
}
Response
{
  "id": "7e11c3cf-2701-4a48-afc9-26af01f6ea47",
  "createdDate": "2025-11-10T00:22:23.329360Z",
  "updatedDate": "2025-11-10T00:22:23.329360Z",
  "state": "COMPLETED",
  "result": {
    "accountStatus": "NOT_FOUND",
    "schemeResponseCode": "EPC_VOP_NOAP"
  }
}