hi.health Verification of Payee API

This tag is for operations related to Verification of Payee (VoP) — name-check service mandatory under the SEPA Instant Payments Regulation

Operations 2

POST /vop/verification Create Payee Verification #
GET /vop/verification/{verificationId} Get Payee Verification #

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OpenAPI Specification

hihealth-verification-of-payee-api-openapi.yml Raw ↑
openapi: 3.2.0
info:
  contact:
    name: API Support
    email: support@getpliant.com
    url: https://www.getpliant.com
  title: Pliant Partner Verification of Payee API
  description: Pliant Partner API
  version: 2.1.0
  license:
    name: MIT
    url: https://opensource.org/license/MIT
servers:
- url: https://partner-api.getpliant.com/api
  description: Pliant Production Server
- url: https://sandbox.partner-api.getpliant.com/api
  description: Pliant Sandbox Server
- url: https://pci-api.getpliant.com
  description: PCI Vault Production Server
- url: https://pci-sandbox.partner-api.getpliant.com
  description: PCI Vault Sandbox Server
security:
- bearerAuth: []
tags:
- name: Verification of Payee
  description: This tag is for operations related to Verification of Payee (VoP) — name-check service mandatory under the SEPA Instant Payments Regulation
paths:
  /vop/verification:
    post:
      summary: Create Payee Verification
      description: 'Verify that a bank account belongs to the named person or company before initiating a transfer.


        This endpoint implements the **Verification of Payee (VoP)** name-check service, mandatory under the SEPA Instant Payments Regulation (IPR) for SCT and SCT Inst transfers since 9 October 2025. A real-time request is sent to the recipient''s bank to compare the submitted account holder name against their records.


        **Typical flow:**

        1. Call this endpoint before creating an external transfer.

        2. Inspect the `result.matchLevel` in the response and decide whether to proceed.

        3. Attach the returned `verificationId` as `vopId` in the external transfer creation request.

        4. Verifications are valid for **60 minutes** (`status: ACTIVE`). If re-verification is requested within that window, the same `verificationId` is returned.


        **Match level guidance:**


        | `matchLevel` | Meaning | Recommended action |

        |---|---|---|

        | `MATCH` | Name and IBAN align perfectly | Proceed with confidence |

        | `CLOSE_MATCH` | Minor discrepancy (e.g. typo) | Review `result.accountHolder` for the suggested correct name |

        | `NO_MATCH` | Name belongs to a different person | Abort — high fraud risk |

        | `UNAVAILABLE` | Recipient bank unreachable or unsupported | Proceed with caution |'
      tags:
      - Verification of Payee
      operationId: create-vop-verification
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/VopVerificationRequest'
            example:
              accountHolder: Ame Corporation GmbH
              type: VERIFICATION_OF_PAYEE
              vop:
                accountNumber: DE89370400440532013000
      responses:
        '200':
          description: Ok
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/VopVerification'
              example:
                verificationId: 550e8400-e29b-41d4-a716-446655440000
                request:
                  accountHolder: Ame Corporation GmbH
                  accountNumber: DE89370400440532013000
                result:
                  accountHolder: ACME Corporation GMBH
                  matchLevel: CLOSE_MATCH
                  resultDetails: The name is a close match.
                status: ACTIVE
                activeUntil: '2025-10-09T11:30:00Z'
                createdAt: '2025-10-09T10:30:00Z'
        '400':
          $ref: '#/components/responses/400'
        '401':
          $ref: '#/components/responses/401'
        '403':
          $ref: '#/components/responses/403'
        '422':
          $ref: '#/components/responses/422'
        '429':
          $ref: '#/components/responses/429'
        '500':
          $ref: '#/components/responses/500'
  /vop/verification/{verificationId}:
    get:
      summary: Get Payee Verification
      description: 'Retrieve a previously created payee verification by its unique identifier.


        Use this endpoint to check the current status or result of a verification, for example when displaying the result to a user during a transfer review flow.'
      tags:
      - Verification of Payee
      operationId: get-vop-verification
      parameters:
      - name: verificationId
        in: path
        required: true
        description: The unique identifier of the payee verification.
        schema:
          type: string
          format: uuid
      responses:
        '200':
          description: Ok
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/VopVerification'
              example:
                verificationId: 550e8400-e29b-41d4-a716-446655440000
                request:
                  accountHolder: Ame Corporation GmbH
                  accountNumber: DE89370400440532013000
                result:
                  accountHolder: ACME Corporation GMBH
                  matchLevel: CLOSE_MATCH
                  resultDetails: The name is a close match.
                status: INACTIVE
                activeUntil: '2025-10-09T11:30:00Z'
                createdAt: '2025-10-09T10:30:00Z'
        '400':
          $ref: '#/components/responses/400'
        '401':
          $ref: '#/components/responses/401'
        '403':
          $ref: '#/components/responses/403'
        '404':
          $ref: '#/components/responses/404'
        '429':
          $ref: '#/components/responses/429'
        '500':
          $ref: '#/components/responses/500'
components:
  schemas:
    Error:
      type: object
      properties:
        errorCode:
          type: string
          description: The error code
        exceptionId:
          type: string
          format: uuid
          description: The id of the exception that was thrown
        message:
          type: string
          description: The cause of the error or further explanations on the error
    VopVerification:
      type: object
      properties:
        verificationId:
          type: string
          format: uuid
          description: Unique identifier of the payee verification. Use this value as `vopId` when initiating an external transfer.
        request:
          type: object
          description: 'A flattened echo of the key fields from the original verification request.

            Note: this is a simplified read-only view — the `accountNumber` is returned

            directly here rather than nested under `vop` as in the request body.

            '
          properties:
            accountHolder:
              type: string
              description: The account holder name as submitted by the client.
              example: Ame Corporation GmbH
            accountNumber:
              type: string
              description: The IBAN of the payee account.
              example: DE89370400440532013000
        result:
          type:
          - object
          - 'null'
          description: The verification result returned by the provider.
          properties:
            accountHolder:
              type:
              - string
              - 'null'
              description: The account holder name as known by the recipient bank.
              example: ACME Corporation GMBH
            matchLevel:
              type:
              - string
              - 'null'
              description: 'The match level between the submitted name and the name on the account.

                * `MATCH` — Name and IBAN align perfectly. Proceed with confidence.

                * `CLOSE_MATCH` — Slight discrepancy (e.g. "Jon Doe" vs "John Doe"). The `result.accountHolder` contains the suggested correct name.

                * `NO_MATCH` — Name belongs to a different person. High fraud risk; advised to abort the transfer.

                * `UNAVAILABLE` — Recipient bank is unreachable or does not support VoP. Proceed with caution.

                '
              enum:
              - MATCH
              - CLOSE_MATCH
              - NO_MATCH
              - UNAVAILABLE
            resultDetails:
              type:
              - string
              - 'null'
              description: Human-readable description of the match result.
              example: The name is a close match.
        status:
          type: string
          description: 'Lifecycle status of the verification record.

            * `ACTIVE` — The verification is valid and can be referenced in a transfer (within 60 minutes of creation).

            * `INACTIVE` — The verification has expired or has already been consumed.

            '
          enum:
          - ACTIVE
          - INACTIVE
        activeUntil:
          type:
          - string
          - 'null'
          format: date-time
          description: The timestamp until which this verification is considered valid and can be attached to a transfer. Verifications expire 60 minutes after creation.
        createdAt:
          type: string
          format: date-time
          description: Timestamp when the verification was created.
    VopVerificationRequest:
      type: object
      required:
      - accountHolder
      - type
      - vop
      properties:
        accountHolder:
          type: string
          description: The name of the account holder to verify against the recipient bank.
          example: Ame Corporation GmbH
        type:
          type: string
          description: The type of verification to perform. Must be `VERIFICATION_OF_PAYEE`.
          enum:
          - VERIFICATION_OF_PAYEE
        vop:
          type: object
          description: Payee account details for the verification.
          required:
          - accountNumber
          properties:
            accountNumber:
              type: string
              description: The IBAN of the payee account to verify.
              example: DE89370400440532013000
  responses:
    '429':
      description: Too Many Requests. The API consumer has sent too many requests in a given amount of time. Please check our [API guidelines](/docs/pliant-api-guidelines#api-rate-limits).
      content:
        application/json:
          schema:
            type: object
            properties:
              error:
                type: string
                description: Detailed description of the error and breached rate limit.
    '500':
      description: Internal Server Error. The request was not completed due to an internal error.
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
    '401':
      description: Unauthorized. The API consumer is not authorized to access the requested resource.
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
    '422':
      description: Unprocessable Content. The request could not be completed due to contents of the request. The syntax of the request content was correct.
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
    '400':
      description: Bad Request. The API consumer sent a malformed request which could not be processed.
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
    '403':
      description: Forbidden. The API consumer is not allowed to access the requested resource.
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
    '404':
      description: Not Found. The requested resource could not be found.
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
  securitySchemes:
    bearerAuth:
      type: http
      scheme: bearer
      description: This API uses oAuth2 with client credentials flow to [obtain the Bearer Token](/docs/authenticated-api-usage).
      bearerFormat: JWT
x-provenance:
  method: searched
  source: https://partner.getpliant.com/reference
  harvested: '2026-10-14'
  tool: harvest-readme-openapi.py
  note: Assembled verbatim from the OpenAPI definition ReadMe embeds in each operation page of the provider's developer portal; paths and components merged by API title, nothing authored.
  assembled_from:
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  - https://partner.getpliant.com/reference/remove-onboarding-submission-subscription.md
  - https://partner.getpliant.com/reference/remove-organization-subscription.md
  - https://partner.getpliant.com/reference/remove-payment-subscription.md
  - https://partner.getpliant.com/reference/remove-pliant-app-access.md
  - https://partner.getpliant.com/reference/remove-receipt-automatching-subscription.md
  - https://partner.getpliant.com/reference/remove-receipt-subscription.md
  - https://partner.getpliant.com/reference/remove-statement-subscription.md
  - https://partner.getpliant.com/reference/remove-transaction-subscription.md
  - https://partner.getpliant.com/reference/replace-card.md
  - https://partner.getpliant.com/reference/resend-callbacks.md
  - https://partner.getpliant.com/reference/revoke-access-link.md
  - https://partner.getpliant.com/reference/search-callbacks.md
  - https://partner.getpliant.com/reference/simulate-prefund-payment.md
  - https://partner.getpliant.com/reference/simulate-transaction-status-transition.md
  - https://partner.getpliant.com/reference/start-identity-verification.md
  - https://partner.getpliant.com/reference/stop-identity-verification.md
  - https://partner.getpliant.com/reference/submit-external-transfer.md
  - https://partner.getpliant.com/reference/submit-onboarding-submission.md
  - https://partner.getpliant.com/reference/terminate-card.md
  - https://partner.getpliant.com/reference/unassign-from-team.md
  - https://partner.getpliant.com/reference/unassign-project-team.md
  - https://partner.getpliant.com/reference/unenroll-card-click-to-pay.md
  - https://partner.getpliant.com/reference/unload-cards-batch.md
  - https://partner.getpliant.com/reference/unlock-card.md
  - https://partner.getpliant.com/reference/update-accounting-fields-on-accounting-transaction.md
  - https://partner.getpliant.com/reference/update-beneficiary-activation.md
  - https://partner.getpliant.com/reference/update-beneficiary-payment-detail.md
  - https://partner.getpliant.com/reference/update-beneficiary.md
  - https://partner.getpliant.com/reference/update-card-account.md
  - https://partner.getpliant.com/reference/update-card-controls-by-card.md
  - https://partner.getpliant.com/reference/update-card-copilots.md
  - https://partner.getpliant.com/reference/update-card-label.md
  - https://partner.getpliant.com/reference/update-card-limit.md
  - https://partner.getpliant.com/reference/update-card-validity-period.md
  - https://partner.getpliant.com/reference/update-card.md
  - https://partner.getpliant.com/reference/update-cardholders.md
  - https://partner.getpliant.com/reference/update-custom-field-option.md
  - https://partner.getpliant.com/reference/update-custom-field.md
  - https://partner.getpliant.com/reference/update-custom-fields-on-accounting-transaction.md
  - https://partner.getpliant.com/reference/update-custom-fields-on-card.md
  - https://partner.getpliant.com/reference/update-external-transfer-status.md
  - https://partner.getpliant.com/reference/update-external-transfer.md
  - https://partner.getpliant.com/reference/update-organization.md
  - https://partner.getpliant.com/reference/update-partner-settings.md
  - https://partner.getpliant.com/reference/update-payments-partner-submission-status-batch.md
  - https://partner.getpliant.com/reference/update-payments-partner-submission-status.md
  - https://partner.getpliant.com/reference/update-project.md
  - https://partner.getpliant.com/reference/update-team.md
  - https://partner.getpliant.com/reference/update-transaction-category.md
  - https://partner.getpliant.com/reference/update-transaction-comment.md
  - https://partner.getpliant.com/reference/update-transaction-partner-submission-status-batch.md
  - https://partner.getpliant.com/reference/update-transaction-partner-submission-status.md
  - https://partner.getpliant.com/reference/update-transaction-receipt-upload.md
  - https://partner.getpliant.com/reference/upload-receipt-to-automatcher.md
  - https://partner.getpliant.com/reference/upload-receipt.md
  - https://partner.getpliant.com/reference/validate-onboarding-submission.md
  merge:
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