Quote for EU VOP check payments
Beneficiary validation is required when payments are in EUR, provided that the customer, beneficiary bank, and any applicable third-party remitter are located within the Eurozone.
Add Payment
- Add the Eurozone country code to the beneficiary bank and third-party fields in the payment request. A list of Eurozone country codes is provided below.
| Country/territory | Country Code |
|---|---|
| Belgium | BE |
| Bulgaria | BG |
| Canary Islands | ES |
| Croatia | HR |
| Cyprus | CY |
| Czech Republic | CZ |
| Denmark | DK |
| Estonia | EE |
| Finland | FI |
| France | FR |
| French Guiana | GF |
| Germany | DE |
| Gibraltar | GI |
| Greece | GR |
| Guadeloupe | GP |
| Guernsey | GG |
| Hungary | HU |
| Iceland | IS |
| Ireland | IE |
| Isle Of Man | IM |
| Italy | IT |
| Jersey | JE |
| Latvia | LV |
| Liechtenstein | LI |
| Lithuania | LT |
| Luxembourg | LU |
| Madeira | PT |
| Malta | MT |
| Martinique | MQ |
| Mayotte | YT |
| Monaco | MC |
| Netherlands | NL |
| Norway | NO |
| Poland | PL |
| Portugal | PT |
| Réunion | RE |
| Romania | RO |
| Saint Barthélemy | BL |
| Saint Martin (French part) | MF |
| Saint Pierre and Miquelon | PM |
| San Marino | SM |
| Slovakia | SK |
| Slovenia | SI |
| Spain | ES |
| Sweden | SE |
| Switzerland | CH |
| Vatican City State | VA |
| Åland Islands | FI |
| Andorra | AD |
| Austria | AT |
| Azores | PT |
- The payment object should include the IBAN value "iban":"DE28503399002244668800" and set the paymentCurrencyCode to EUR.
Validate Payment
- After submitting payment, it is essential to use the get payment details API to validate the transaction. The API will provide a valid response that confirms the payment details.
Valid Response:
{
"totalPages": 1,
"currentPage": 1,
"totalCount": 1,
"hasPrevious": false,
"hasNext": false,
"payments": [
{
"id": "5L7VxslQVmuqDagt9AqCPnBPYq1SG6bS",
"batchId": "4A4FVIuTip4TWIMMdvXaVhlghcnZ9gkG",
"status": "Created",
"partnerReference": "partner",
"paymentReference": "aa",
"createdOn": "2025-09-24T13:21:28Z",
"lastUpdatedOn": "2025-09-24T13:21:28Z"
}
]
}- The Masspay returned a not accepted message if the IBAN was not provided in the payment request, indicating that the payment was not processed.
{
"totalPages": 1,
"currentPage": 1,
"totalCount": 1,
"hasPrevious": false,
"hasNext": false,
"payments": [
{
"id": "YAMCushucfNqBrq32ZYaxNcgYhGDkiT7",
"status": "NotAccepted",
"errorCode": "1003:iban"
}
]
}Requesting Quote
- Adding a valid payment in the Add Payment step returns a response with validationOfBeneficiary, including match type, match description, and other details.
The text outlines the components involved in the validationOfBeneficiary process, which includes key elements such as paymentId, name, iban, matchScore, matchType, matchDescription, validationMessage, and a disclaimer message.
below are responses for CMTC, MTCH, NMTC, NTVL, NO
{
"expirationIntervalInSec": 0,
"validationOfBeneficiary": [
{
"paymentId": "jP54rrHcB7a1siUpbKIfiYH0fMd9UHIx",
"name": "S Weber",
"iban": "DE28503399002244668800",
"matchScore": "0.5",
"matchType": "CMTC",
"matchDescription": "Close Match",
"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.",
"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."
}
]
}{
"expirationIntervalInSec": 0,
"validationOfBeneficiary": [
{
"paymentId": "UMXXOhqsItSejejNIPJqO8a3e4CZhuRF",
"name": "Sophie Weber",
"iban": "DE28503399002244668800",
"matchScore": "1",
"matchType": "MTCH",
"matchDescription": "Strong Match",
"validationMessage": "The payee name and payment identifier which you have provided match exactly, please requote to proceed."
}
]
}{
"expirationIntervalInSec": 0,
"validationOfBeneficiary": [
{
"paymentId": "VL8Yd2GN9BE6oACXSbXmmbjPXEDMG9x2",
"name": "Sofy",
"iban": "DE28503399002244668800",
"matchScore": "0",
"matchType": "NMTC",
"matchDescription": "No Match",
"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.",
"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."
}
]
}{
"expirationIntervalInSec": 0,
"validationOfBeneficiary": [
{
"paymentId": "yd6QUY7fGVBKV9vzRA0gPW3Tt4I1kkha",
"name": "Sophie Weber",
"iban": "DE28503399002244668899",
"matchScore": "0",
"matchType": "NOAP",
"matchDescription": "Verification Not Possible",
"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.",
"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."
}
]
}{
"expirationIntervalInSec": 0,
"validationOfBeneficiary": [
{
"paymentId": "M5yeYjvzz6F9JHG5P49F9jXN7pX9g2O7",
"name": "Otto Larsen",
"iban": "DE15801640509362882000",
"matchScore": "0",
"matchType": "NTVL",
"matchDescription": "Not Validated",
"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.",
"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."
}
]
}- If the VOP API is down or cannot fetch a VOP response, the Quote API returns the following error:
{
"errorDescription": "An error occurred while trying to validate the beneficiary. Please try after some time",
"errorCode": "1239"
}- Requote - step 5 did not create a quote, we validate the payment request via the VOP API. After receiving the VOP response, the customer can decide to proceed with a requote. This step creates the actual quote.
{
"id": "46EEF8AF-AE1E-4370-8035-80F3CA5B5CE6",
"expirationIntervalInSec": 120,
"createdOn": "2025-09-24T12:33:32Z",
"status": "Created",
"lastUpdatedOn": "2025-09-24T12:33:32Z",
"quotedItems": [
{
"isDirectRate": true,
"rate": 0.8644,
"rateInverted": 1.1569,
"decimalsDirect": 4,
"decimalsIndirect": 4,
"tradeAmount": 10100,
"settlementAmount": 8730,
"tradeCurrency": "USD",
"settlementCurrency": "EUR"
}
],
"validationOfBeneficiary": [
{
"paymentId": "ZHwIzDg2nO4FUHNzRrGg6cDbEW6jfzWv",
"name": "S Weber",
"iban": "DE28503399002244668800",
"matchScore": "0.5",
"matchType": "CMTC",
"matchDescription": "Close Match",
"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.",
"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."
}
]
}VOP Match Validations
- Below is a list of match validations for the VOP API
- MTCH: Strong Match
- CMTC: Close Match
- NMTC: No Match
- NOAP: Verification Not Possible
- NTVL: Not Validated
Validation messages and disclaimers link with the flow type and match. See the table below for more information.
| Match Type | Flow Type | Validation Msg | Disclaimer |
|---|---|---|---|
| MTCH | COUPLED | The payee name and payment identifier which you have provided match exactly, please requote to proceed. | NULL |
| MTCH | STANDALONE | The payee name and payment identifier which you have provided match exactly. | NULL |
| CMTC | COUPLED | 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: 0. 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. | 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. |
| CMTC | STANDALONE | 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: 0. This gives you a chance to double-check and confirm that your money is going to the right person or business. | If you proceed with approving this request, Payee Name will be updated to the suggested name upon final authorization of the payment. |
| NMTC | COUPLED | 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. | 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. |
| NMTC | STANDALONE | 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. | 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. |
| NOAP | COUPLED | 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. | 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. |
| NOAP | STANDALONE | The verification check cannot be completed. It cannot be confirmed that the provided Payee Name matches the account number. | 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. |
| NTVL | COUPLED | 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. | 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. |
We need different error codes for VOP-related errors, as follows:
| Error Code | Context | Condition / Scenario | Error Description |
|---|---|---|---|
| 1238 | Standalone API | Invalid VOP request data | Invalid request data. The currency code is invalid |
| 1239 | Standalone API | Unable to retrieve VOP response | Unable to retrieve validation of payee response. |
| 1240 | Quote Request | Bad Request | The verification check cannot be completed at this time, please re-quote if you want to proceed with the payment. Disclaimer: will update soon, |
| 1241 | Quote Request | Other validation errors (System Down - VOP API down) | An error occurred while trying to validate the beneficiary, please re-quote if you want to proceed with the payment. Disclaimer: will update soon. |
VOP Webhooks
After VOP validation, we send the VOP response to Webhook. This event is called vop.validationCompleted.
Below is the webhook response:
- 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"
}
}- 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"
}- 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"
}
}- 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"
}
}- 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"
}
}Updated about 5 hours ago