---
title: "Verify Payee"
method: POST
path: "/v2/business-accounts/payee-verifications"
tags: ["Verify Payee API"]
---

# Verify Payee

`POST /v2/business-accounts/payee-verifications`

> 🚧 Beta feature
>
> This feature is currently in beta testing, and the final specification may still change.

Perform a Verification of Payee (VoP) check. This allows you to verify the account holder name against the
records held by the receiving bank before initiating a transfer.

The verification result indicates whether the provided name matches, closely matches, or does not match the
name on file at the receiving bank. This helps prevent misdirected payments.

### Simulating verification scenarios in test mode

In test mode, you can simulate various verification outcomes by adjusting the creditor name in the
`creditorBankAccount.accountHolderName` property. This allows you to test all possible Verification of Payee
results without needing special properties. The names are case insensitive.

| Account holder name                    | Scenario                                      | Verification result | Suggested name |
|----------------------------------------|-----------------------------------------------|---------------------|----------------|
| `John Close Match`                     | Name closely matches the bank records          | `close-match`       | `John Match`   |
| `John No Match`                        | Name does not match the bank records           | `no-match`          | —              |
| `John Unavailable`                     | Verification is not available                  | `not-available`     | —              |
| Any other name                         | Default: name matches the bank records         | `match`             | —              |

## Headers

- `idempotency-key` string

## Request body

- VerificationOfPayeeRequest — The request body for performing a Verification of Payee (VoP) check. VoP allows you to verify the account holder name against the records held by the receiving bank before initiating a transfer.
  - `creditorBankAccount` CreditorBankAccount, required — The bank account details of the creditor (recipient) for Verification of Payee.
    - `accountHolderName` string, required — The full name of the creditor account holder to verify against bank records.
    - `format` 'iban', required — The format of the account number.
    - `accountNumber` string, required — The bank account details of the creditor.
  - `testmode` boolean, nullable — Whether to create the entity in test mode or live mode. Most API credentials are specifically created for either live mode or test mode, in which case this parameter must not be sent. For organization-level credentials such as OAuth access tokens, you can enable test mode by setting `testmode` to `true`.

## Response `200`

The verification result object.

## Other responses

- `422` — The request contains issues. For example, if the creditor bank account details are missing or invalid.
- `429` — Rate Limit has been reached.
- `503` — An unexpected error occurred on our end. This is not related to your request. Please try again later. If the problem persists, contact support.

---

[API](https://skmtc.net/mollie/apis/mollie-api.md) · [All operations](https://skmtc.net/mollie/apis/mollie-api/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/mollie/mollie-api/revisions/d2a3bd80c1fa/schema)