VOP Verification
Live
IBAN
DE89 3704 0044 0532 0130 00
Beneficiary name
Acme Payments GmbH
Verification result
Status
Match
Proceed with payment
Verification of Payee
Verification of Payee
Verify every payee before the payment
Verify every payee before the payment
Verify every payee before the payment
Instant IBAN to name verification for organizations, PSPs, and banks across Europe
Instant IBAN to name verification for organizations, PSPs, and banks across Europe
Reduce misdirected payments, prevent APP fraud, and comply with the EU Instant Payments Regulation with a single API call.
VoP scheme
IPR
ISAE 3402 Type II
GDPR
Reduce misdirected payments, prevent APP fraud, and comply with the EU Instant Payments Regulation with a single API call.
VoP scheme
IPR
ISAE 3402 Type II
GDPR
VOP Verification
Live
IBAN
DE89 3704 0044 0532 0130 00
Beneficiary name
Acme Payments GmbH
Verification result
Status
Match
Proceed with payment
98.8%
Verification Accuracy
High-confidence IBAN verification across trusted European datasets.
98.8%
Verification Accuracy
High-confidence IBAN verification across trusted European datasets.
<500ms
Average Response Time
Real-time verification designed for instant payments and seamless user journeys.
<500ms
Average Response Time
Real-time verification designed for instant payments and seamless user journeys.
20+
European Countries Connected
Austria, Belgium, Croatia, Cyprus, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Portugal, Slovakia, Slovenia, and Spain.
8
Additional Counties in 2027
Bulgaria, Czech Republic, Denmark, Hungary, Poland, Romania, Sweden, United Kingdom
8
Additional Counties in 2027
Bulgaria, Czech Republic, Denmark, Hungary, Poland, Romania, Sweden, United Kingdom
98.8%
Verification Accuracy
High-confidence IBAN verification across trusted European datasets.
<500ms
Average Response Time
Real-time verification designed for instant payments and seamless user journeys.
20+
European Countries Connected
Austria, Belgium, Croatia, Cyprus, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Portugal, Slovakia, Slovenia, and Spain.
8
Additional Counties in 2027
Bulgaria, Czech Republic, Denmark, Hungary, Poland, Romania, Sweden, United Kingdom
The Challenge
Payments are still vulnerable to human error and fraud.
Payments are still vulnerable to human error and fraud.
Payments are still vulnerable to human error and fraud.
When a customer, supplier, or payer enters an IBAN, there is often no reliable way to confirm the beneficiary name before the new bank account is registered and the payment is sent. This creates a major risk for organisations and banks alike. Bluem ensures account holder names are verified before money moves.
When a customer, supplier, or payer enters an IBAN, there is often no reliable way to confirm the beneficiary name before the new bank account is registered and the payment is sent. This creates a major risk for organisations and banks alike. Bluem ensures account holder names are verified before money moves.
IBAN Fraud Is Rising
Authorized Push Payment (APP) fraud costs European consumers and businesses billions each year. Without payee verification, fraudsters exploit trust in the payment chain. Note: This does not include fake invoice fraud.
€1.8B
annual APP fraud losses in Europe
IBAN Fraud Is Rising
Authorized Push Payment (APP) fraud costs European consumers and businesses billions each year. Without payee verification, fraudsters exploit trust in the payment chain. Note: This does not include fake invoice fraud.
€1.8B
annual APP fraud losses in Europe
Misdirected Payments
Simple typos in IBANs or account holder names lead to payments landing in the wrong account — causing costly recovery processes and customer frustration.
8%
of transfers contain name errors
Misdirected Payments
Simple typos in IBANs or account holder names lead to payments landing in the wrong account — causing costly recovery processes and customer frustration.
8%
of transfers contain name errors
Bank Account Data Integrity
Ensure the IBANs of customers and suppliers in your database are verified. Unverified IBANs create financial risk, non-compliance, and potential reputational damage. Note: The EU IPR mandates VoP for all SEPA transfers. Avoid liability, check each IBAN.
October 2025
VoP and AML compliance must be in place.
Bank Account Data Integrity
Ensure the IBANs of customers and suppliers in your database are verified. Unverified IBANs create financial risk, non-compliance, and potential reputational damage. Note: The EU IPR mandates VoP for all SEPA transfers. Avoid liability, check each IBAN.
October 2025
VoP and AML compliance must be in place.
IBAN Fraud Is Rising
Authorized Push Payment (APP) fraud costs European consumers and businesses billions each year. Without payee verification, fraudsters exploit trust in the payment chain. Note: This does not include fake invoice fraud.
€1.8B
annual APP fraud losses in Europe
Misdirected Payments
Simple typos in IBANs or account holder names lead to payments landing in the wrong account — causing costly recovery processes and customer frustration.
8%
of transfers contain name errors
Bank Account Data Integrity
Ensure the IBANs of customers and suppliers in your database are verified. Unverified IBANs create financial risk, non-compliance, and potential reputational damage. Note: The EU IPR mandates VoP for all SEPA transfers. Avoid liability, check each IBAN.
October 2025
VoP and AML compliance must be in place.
The Solution
One API to verify every payee across Europe
One API to verify every payee across Europe
One API to verify every payee across Europe
Connect once and verify account holder names against IBANs in real time before the onboarding or payment is executed.
Connect once and verify account holder names against IBANs in real time before the onboarding or payment is executed.
Real time IBAN to name matching
Real time IBAN to name matching
SEPA & non-SEPA scheme coverage
SEPA & non-SEPA scheme coverage
Extra logic to handle Close Match results automated
Extra logic to handle Close Match results automated
Bank-grade security & data handling
Bank-grade security & data handling
Single API, continent-wide reach, additional features
Single API, continent-wide reach, additional features
response.json
//Verify payee with a single API call
const result = await iban.verify ({
iban: "DE89370400440532013000",
AssumedName: "Max Mustermann",
})
// Response
{ IBANResult: "VALID & KNOWN", NameResult: "MATCHING" }
Your App
Initiation
IBAN Engine
Verify & route
20+ Countries
SEPA network
Real time IBAN to name matching
SEPA & non-SEPA scheme coverage
EU Instant Payments Regulation compliant
Bank-grade security & data handling
Single API, continent-wide reach
How It Works
Verify the payee in seconds.
Verify the payee in seconds.
Verification of Payee checks whether the beneficiary name matches the IBAN before a payment is executed. Organizations use the IBAN name check to validate the bank accounts of new customers, suppliers, and employees. Accountants may also request proof that company payments are reaching the intended payees.
Verification of Payee checks whether the beneficiary name matches the IBAN before a payment is executed. Organizations use the IBAN name check to validate the bank accounts of new customers, suppliers, and employees. Accountants may also request proof that company payments are reaching the intended payees.
01
Input
Submit IBAN name details
Submit IBAN name details
Before a payment executes, your system passes the beneficiary IBAN and account name to the VOP API — via REST call or through the VOP Portal.You can also check a customer’s or supplier’s IBAN in real time before adding it to your administration.
Before a payment executes, your system passes the beneficiary IBAN and account name to the VOP API — via REST call or through the VOP Portal.You can also check a customer’s or supplier’s IBAN in real time before adding it to your administration.
REST API or Portal
Integrate inline into your accounts payable, onboarding flow or online portal, or use Bluem’s VoP portal for manual and bulk submissions.
Real-time or batch
Single synchronous calls for live flows; CSV bulk upload for supplier onboarding or reconciliation.
02
Output
Cross-check against live infrastructure
Cross-check against live infrastructure
VoP routes the request to the beneficiary's bank through the EU's live payment directory, checking IBAN ownership in real time, across 20+ countries.
20+ EU markets
Connected to national VoP schemes and banking directories across SEPA.
No local databases or data stored
Requests are real time. IBAN and name data is never persisted. Fully GDPR-compliant by design.
PSD & SCT Inst compliant
Verification follows EU Instant Payment Regulation mandates.
03
Output
Cross-check against live infrastructure
Cross-check against live infrastructure
VoP routes the request to the beneficiary's bank through the EU's live payment directory, checking IBAN ownership in real time, across 20+ countries.
20+ EU markets
Connected to national VoP schemes and banking directories across SEPA.
No local databases or data stored
Requests are real time. IBAN and name data is never persisted. Fully GDPR-compliant by design.
PSD & SCT Inst compliant
Verification follows EU Instant Payment Regulation mandates.
Input
Submit IBAN name details
Before a payment executes, your system passes the beneficiary IBAN and account name to the VOP API — via REST call or through the VOP Portal.
You can also check a customer’s or supplier’s IBAN in real time before adding it to your administration.
REST API or Portal
Integrate inline into your accounts payable, onboarding flow or online portal, or use Bluem’s VoP portal for manual and bulk submissions.
Real-time or batch
Single synchronous calls for live flows; CSV bulk upload for supplier onboarding or reconciliation.
Output
Act on a structured result
Your system receives a structured JSON response with a clear verdict — Match, Mistype, or No Match — plus metadata to route the payment automatically or flag it for review.
Three clear verdicts
Matching, No Match, or Mistype with suggested name, name similarity score, and account status.
Full audit trail
Every verification is logged with timestamp, outcome, and request ID, ready for your accountant and financial reporting.
Automated routing
Pipe results directly into your customer or supplier onboarding logic auto-proceed on Matching, trigger review queue on Mistype.
01
Processing
Cross-check against live infrastructure
VoP routes the request to the beneficiary's bank through the EU's live payment directory, checking IBAN ownership in real time, across 20+ countries.
20+ EU markets
Connected to national VoP schemes and banking directories
across SEPA.
No local databases or data stored
Requests are real time. IBAN and name data is never persisted.
Fully GDPR-compliant by design.
PSD & SCT Inst compliant
Verification follows EU Instant Payment Regulation mandates.
Verification Results
Clear outcomes for every verification
Clear outcomes for every verification
Clear outcomes for every verification
When a verification request is made, VoP compares the provided beneficiary name with the account holder and returns one of three possible results.
When a verification request is made, VoP compares the provided beneficiary name with the account holder and returns one of three possible results.
Match
The IBAN and name match.
The provided name matches the account holder on record. The payment can proceed with confidence.
IBAN
DE89 3704 0044 0532 0130 00
Input Name
Max Mustermann
IBAN Result
VALID & KNOWN
Name Result
Matching
Confidence level
99.2%
You can proceed with confidence.
Mistype
Possible typo or fraud detected
Bluem’s intelligent fuzzy logic helps interpret whether this is a harmless typo or a risk that requires review.
IBAN
FR32 1204 0044 0532 8008 11
Input Name
Jan de Vires
Suggested Name
Jan de Vries
Name Result
Similarity High
Confidence level
60.0%
Flag for review
No Match
Verification Failed
You should contact the beneficiary before proceeding. The IBAN does not belong to the person or company.
IBAN
NL45 2104 0044 0532 5466 90
Input Name
Marie Dupont
IBAN Result
Invalid & Unknown
Name Result
No Match
Confidence level
0%
Block & request new IBAN
Match
The IBAN and name match.
The provided name matches the account holder on record. The payment can proceed with confidence.
IBAN
DE89 3704 0044 0532 0130 00
Input Name
Max Mustermann
IBAN Result
VALID & KNOWN
Name Result
Matching
Confidence level
99.2%
You can proceed with confidence.
Mistype
Possible typo or fraud detected
Bluem’s intelligent fuzzy logic helps interpret whether this is a harmless typo or a risk that requires review.
IBAN
FR32 1204 0044 0532 8008 11
Input Name
Jan de Vires
Suggested Name
Jan de Vries
Name Result
Similarity High
Confidence level
60.0%
Flag for review
No Match
Verification Failed
You should contact the beneficiary before proceeding. The IBAN does not belong to the person or company.
IBAN
NL45 2104 0044 0532 5466 90
Input Name
Marie Dupont
IBAN Result
Invalid & Unknown
Name Result
No Match
Confidence level
0%
Block & request new IBAN
Integration Options
Choose how you verify
Choose how you verify
VoP sends the request to the beneficiary’s bank via the EU’s live instant payment directory, verifying IBAN ownership in real time across 20+ countries
VoP sends the request to the beneficiary’s bank via the EU’s live instant payment directory, verifying IBAN ownership in real time across 20+ countries
For Developers
API Integration
API Integration
VOP routes the request to the beneficiary's bank through the EU's live payment directory checking IBAN ownership in real time, across 27+ markets.
VOP routes the request to the beneficiary's bank through the EU's live payment directory checking IBAN ownership in real time, across 27+ markets.
REST API with TxRequest and TxResponse spec
JSON / XML
Extra features to verify Person or Business
Sandbox included
Most Popular
IBAN VoP Portal
IBAN VoP Portal
A ready-to-use web portal for manual and batch verification. No integration required.
Intuitive web interface
Batch CSV upload and exportable reports
VoP Proof PDF download
Role-based access
Integration Options
Choose how you verify
VoP sends the request to the beneficiary’s bank via the EU’s live instant payment directory, verifying IBAN ownership in real time across 20+ countries
For Developers
API Integration
VOP routes the request to the beneficiary's bank through the EU's live payment directory checking IBAN ownership in real time, across 27+ markets.
REST API with TxRequest and TxResponse spec
JSON / XML
Extra features to verify Person or Business
Sandbox included
Most Popular
IBAN VoP Portal
A ready-to-use web portal for manual and batch verification. No integration required.
Intuitive web interface
Batch CSV upload and exportable reports
VoP Proof PDF download
Role-based access
European Ecosystem
Built for organizations across Europe
Built for organizations across Europe
What began in 2018 with early VoP adoption in the Netherlands has grown into a scalable European VoP infrastructure. Bluem connects directly via SurePay, enabling real-time account verification across 20+ countries.
What began in 2018 with early VoP adoption in the Netherlands has grown into a scalable European VoP infrastructure. Bluem connects directly via SurePay, enabling real-time account verification across 20+ countries.
With a single Bluem API integration, PSPs, banks, and organizations can add Verification of Payee to their onboarding, payment flows, and verification processes. Together with other payment institutions, we strengthen trust across the European payment ecosystem.
IBAN Verification
Domestic and cross-border IBAN Name checks
Accounts Payable Protection
Fraud prevention for Accounts Payable
Onboarding & Payment
Verification during onboarding & payment flows
Real Time Check
Instant response at pre-payment stage
Markets covered
20+ countries
+13
IBAN Verification
Domestic and cross-border IBAN Name checks
Accounts Payable Protection
Fraud prevention for Accounts Payable
Onboarding & Payment
Verification during onboarding & payment flows
Real Time Check
Instant response at pre-payment stage
Markets covered
20+ countries
+13
With a single Bluem API integration, PSPs, banks, and organizations can add Verification of Payee to their onboarding, payment flows, and verification processes. Together with other payment institutions, we strengthen trust across the European payment ecosystem.
We are satisfied with the implementation, which went smoothly, and the data department was able to start using the dashboard immediately. Additionally, less time spent on administrative tasks.
Rosanne Wieten
Master Data Specialist at Grolsch
Housing corporation Woonin uses the IBAN-Name Check for Businesses to verify new and existing suppliers, ensuring they always have the most up-to-date (customer) information.
Herman Verra
Senior Financial Administration at Woonin
We are satisfied with the implementation, which went smoothly, and the data department was able to start using the dashboard immediately. Additionally, less time spent on administrative tasks.
Rosanne Wieten
Master Data Specialist at Grolsch
Housing corporation Woonin uses the IBAN-Name Check for Businesses to verify new and existing suppliers, ensuring they always have the most up-to-date (customer) information.
Herman Verra
Senior Financial Administration at Woonin
Testimonial
Trusted by leading organizations in
all industries
Trusted by leading organizations in
all industries
Trusted by leading organizations in
all industries
We are satisfied with the implementation, which went smoothly, and the data department was able to start using the dashboard immediately. Additionally, less time spent on administrative tasks.
Rosanne Wieten
Master Data Specialist at Grolsch
Housing corporation Woonin uses the IBAN-Name Check for Businesses to verify new and existing suppliers, ensuring they always have the most up-to-date (customer) information.
Herman Verra
Senior Financial Administration at Woonin
Customer Results
Customer Results
Customer Results
€2.4M
€2.4M
€2.4M
saved in fraud prevention annually
97%
97%
97%
reduction in misdirected payments
85%
85%
85%
reduction in APP fraud losses
3x
3x
3x
faster onboarding for new payees
Trusted by
FAQ
Frequently asked questions
Frequently asked questions
Frequently asked questions
Can't find what you're looking for? Reach out to our team for personalised support.
Can't find what you're looking for? Reach out to our team for personalised support.
What is Verification of Payee (VoP)?
Verification of Payee is a service that checks whether the name provided by the payer matches the actual account holder name linked to the IBAN. It helps prevent misdirected payments and authorised push payment fraud before the transaction is executed.
Is VoP mandatory under EU regulation?
Which countries are covered?
How to handle Close Match / Mistype result?
What is Verification of Payee (VoP)?
Verification of Payee is a service that checks whether the name provided by the payer matches the actual account holder name linked to the IBAN. It helps prevent misdirected payments and authorised push payment fraud before the transaction is executed.
Is VoP mandatory under EU regulation?
Which countries are covered?
How to handle Close Match / Mistype result?
Ready to secure your payments and prevent fraud?
Get started with the VoP Portal or integrate the VoP API. Talk to sales for high-volume pricing
Ready to secure your payments and prevent fraud?
Get started with the VoP Portal or integrate the VoP API. Talk to sales for high-volume pricing
Ready to secure your payments and prevent fraud?
Get started with the VoP Portal or integrate the VoP API. Talk to sales for high-volume pricing
Bluem Websites
Contact us
© 2026 IBAN. All rights reserved.
Terms & Privacy Policy
Bluem Websites
Contact us
© 2026 IBAN. All rights reserved.
Terms & Privacy Policy
Verification of Payee for the European payments ecosystem.
© 2026 IBAN. All rights reserved.
Terms & Privacy Policy
Verification of Payee for the European payments ecosystem.
Bluem Websites
Contact us
© 2026 IBAN. All rights reserved.
Terms & Privacy Policy