EU VOP Webhooks

The EU VOP request webhooks (Verfication Of Payee) This is for payments that qualify for the EU VOP check. The payments that qualify are where the customer, beneficiary bank, and any applicable third-party remitter are located within the Eurozone. These are only sent when a payment qualifies in the Batch model when quoting a batch.

VOP Webhooks

After VOP validation, we send the VOP response to Webhook. This event is called vop.validationCompleted.

Below is the webhook response:

  1. Strong Match - MTCH
{
  "id": "61171e0f-e3f1-40b3-a010-222c53990be4",
  "eventType": "vop.validationCompleted",
  "createdOnUTC": "2025-09-22T10:42:51Z",
  "summary": "VOP validation has been completed.",
  "resource": {
    "paymentId": "UMXXOhqsItSejejNIPJqO8a3e4CZhuRF",
    "accountName": "Sophie Weber",
    "accountNumber": "DE28503399002244668800",
    "matchScore": "1",
    "matchType": "MTCH",
    "matchDescription": "Strong Match",
    "disclaimer": null,
    "validationMessage": "The payee name and payment identifier which you have provided match exactly, please requote to proceed.",
    "partnerName": "MPCPL3",
    "customerName": "MOSESFRMPCPL3",
    "batchId": "LpqdAWxpGQmdaqmUrKGC9SnzMRU2L06Q",
    "validationCompletedOnUtc": "2025-09-22T10:42:51.5905159Z"
  }
}
  1. CMTC - Close Match
{
  "id": "87c2462a-7488-46e3-a557-99584b67350b",
  "eventType": "vop.validationCompleted",
  "createdOnUTC": "2025-09-22T10:49:27Z",
  "summary": "VOP validation has been completed.",
  "resource": {
    "paymentId": "ZTYjfccWArkUN8tjOJdH33mKe7SLAMx2",
    "accountName": "S Weber",
    "accountNumber": "DE28503399002244668800",
    "matchScore": "0.5",
    "matchType": "CMTC",
    "matchDescription": "Close Match",
    "disclaimer": "If you go ahead with this request, the name will remain the same. Please note that authorizing the credit transfer may lead to transferring the funds to a payment account not held by the beneficiary which you have indicated.If you chose to ignore this notification and proceed, Convera shall not be held liable for the execution of the credit transfer to an unintended payee and you may not be entitled to receive a refund for the amount transferred.",
    "validationMessage": "The provided Payee Name and account number of the beneficiary almost match. The name of the beneficiary associated with the provided bank account number is: Sophie Weber. This gives you a chance to double-check and confirm that your money is going to the right person or business. You can cancel the payment, update the details and send again with a different payment ID. Or you can requote to proceed.",
    "partnerName": "MPCPL3",
    "customerName": "MOSESFRMPCPL3",
    "batchId": "rmcZcOcU0JDeQ2o0WvQ610xHXKCMkFRS",
    "validationCompletedOnUtc": "2025-09-22T10:49:26.5184657Z"
  }
  1. NMTC - No Match
{
  "id": "245b3d2b-eabe-4087-9bc1-3cf8e0dde17a",
  "eventType": "vop.validationCompleted",
  "createdOnUTC": "2025-09-22T10:56:37Z",
  "summary": "VOP validation has been completed.",
  "resource": {
    "paymentId": "VL8Yd2GN9BE6oACXSbXmmbjPXEDMG9x2",
    "accountName": "Sofy",
    "accountNumber": "DE28503399002244668800",
    "matchScore": "0",
    "matchType": "NMTC",
    "matchDescription": "No Match",
    "disclaimer": "Only proceed with the payment if you are certain the payee details are correct. By choosing to proceed with this payment this might affect your rights to a refund and our liability as your payment service provider.",
    "validationMessage": "Warning: The provided Payee Name and account number of the beneficiary do not match. Please note that authorizing the payment may lead to transferring the funds to an account not held by the intended beneficiary. You can cancel the payment, update the details and send again with a different payment ID. Or you can requote to proceed.",
    "partnerName": "MPCPL3",
    "customerName": "MOSESFRMPCPL3",
    "batchId": "7Kpd3F3ZbwpsYQrH76bqMd49Xw3oLEO9",
    "validationCompletedOnUtc": "2025-09-22T10:56:37.217398Z"
  }
}
  1. NOAP - Verification Not Possible
{
  "id": "132b4192-b772-44ff-a672-d6f3a4fd415f",
  "eventType": "vop.validationCompleted",
  "createdOnUTC": "2025-09-22T11:02:02Z",
  "summary": "VOP validation has been completed.",
  "resource": {
    "paymentId": "yd6QUY7fGVBKV9vzRA0gPW3Tt4I1kkha",
    "accountName": "Sophie Weber",
    "accountNumber": "DE28503399002244668899",
    "matchScore": "0",
    "matchType": "NOAP",
    "matchDescription": "Verification Not Possible",
    "disclaimer": "If you choose to ignore this notification and proceed, Convera shall not be held liable for the execution of the payment to an unintended payee and you may not be entitled to receive a refund for the amount transferred.",
    "validationMessage": "The verification check cannot be completed. It cannot be confirmed that the provided Payee Name matches the account number. We cannot verify these details, if you are unsure, you have the correct information, please cancel the payment and once verified resend with a new payment ID. Or you can proceed at your own risk, by requoting.",
    "partnerName": "MPCPL3",
    "customerName": "MOSESFRMPCPL3",
    "batchId": "Xf22mIJ0IBNCaDxAV9ogK9ahrINmYPpk",
    "validationCompletedOnUtc": "2025-09-22T11:02:01.9045342Z"
  }
}
  1. NTVL - Not Validated
{

  "id": "7e44c474-ada1-42a8-ada7-3ebf5eab3df2",
  "eventType": "vop.validationCompleted",
  "createdOnUTC": "2025-09-22T11:06:34Z",
  "summary": "VOP validation has been completed.",
  "resource": {
    "paymentId": "M5yeYjvzz6F9JHG5P49F9jXN7pX9g2O7",
    "accountName": "Otto Larsen",
    "accountNumber": "DE15801640509362882000",
    "matchScore": "0",
    "matchType": "NTVL",
    "matchDescription": "Not Validated",
    "disclaimer": "Only proceed with the payment if you are certain the payee details are correct. By choosing to proceed with this payment, you understand and agree that you are doing so at your own risk. Convera shall not be held liable for the execution of the credit transfer to an unintended payee and you may not be entitled to receive a refund for the amount transferred.",
    "validationMessage": "The verification check cannot be completed at this time. We cannot verify these details, if you are unsure, you have the correct information, please cancel the payment and once verified resend with a new payment ID. Or you can proceed at your own risk, by requoting.",
    "partnerName": "MPCPL3",
    "customerName": "MOSESFRMPCPL3",
    "batchId": "2I0goayvnxn4fC8Ri8keqw8SPccucAzJ",
    "validationCompletedOnUtc": "2025-09-22T11:06:33.980505Z"
  }
}


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