API Overview

The Verification of Payee (VoP) API implements the official EPC VoP Scheme specifications. This API enables secure and standardized account verification across the SEPA region, following the 4-Corner Model of interbank communication.

Service Level Requirements

Maximum response time: 2 seconds
Service availability: 99.9%
Support for all SEPA countries
Compliance with GDPR and data protection requirements

Base URL

Production endpoints are assigned by the European Directory Service (EDS):

prod.txt

https://{eds-assigned-endpoint}/vop/api/v1

Matching Levels

The API implements three standardized matching levels:

Exact Match
- Perfect alignment between provided and stored details
- Highest confidence level for payment processing
Close Match
- Minor variations in spelling or formatting
- Additional verification may be required
Partial Match
- Significant differences detected
- Warning indicators provided to the originator

Validation Rules

IBAN Validation

Must follow ISO 13616 SEPA format
Country-specific validation for all SEPA members
Real-time validation against national bank directories

Account Name Validation

Support for all SEPA character sets
Maximum length as per EPC specifications
Standardized name matching algorithms
Special character handling for international names

Authentication

The API uses mutual TLS (mTLS) authentication as specified in the VoP Scheme:

Obtain your certificate from an approved Certificate Authority
Configure mTLS in your client:

mutual-tls-auth:
  client-cert: your_client_certificate.pem
  client-key: your_private_key.pem

Response Format

All responses follow the standardized VoP Scheme format:

Success Response

{
    "vopResponse": {
        "requestReference": "123e4567-e89b-12d3-a456-426614174000",
        "timestamp": "2024-12-11T19:24:21Z",
        "matchResult": {
            "level": "EXACT",
            "confidence": 100,
            "details": {
                "nameMatch": true,
                "accountStatus": "ACTIVE"
            }
        },
        "metadata": {
            "respondingPSP": "BANKXX22",
            "processingTime": "65ms"
        }
    }
}

Error Response

{
    "vopError": {
        "errorCode": "VOP_004",
        "category": "VALIDATION_ERROR",
        "message": "Invalid account details",
        "details": {
            "field": "iban",
            "reason": "Account not found"
        },
        "timestamp": "2024-12-11T19:24:21Z"
    }
}

Rate Limits and Quotas

Maximum requests per second: As specified in your Participant Agreement
Batch size limits: 100 requests per batch
Monthly volume limits: Based on your service level

Error Codes

All error codes follow the standardized VoP Scheme specification:

Code	Category	Description
VOP_001	TECHNICAL	System error
VOP_002	SECURITY	Authentication failed
VOP_003	TIMEOUT	Response timeout
VOP_004	VALIDATION	Invalid input
VOP_005	BUSINESS	Account not available