International Checks (Schemes)

The use cases section of the IBAN-Name Check API for Banks specifications provides practical examples of how the API can be used to perform different types of requests and retrieve corresponding responses. The examples are categorised based on schemes. Schemes support checks in certain regions and or countries in the world.

To gain access to SurePay's add-ons, customers are required to notify service@surepay.nl first. This notification is essential to enable access to these additional features.

What's a Scheme?

SurePay is a scheme on its own; the Dutch scheme. This implies that Surepay is directly connected to all Dutch banks which allows for full functioning IBAN-Name checks.

  • In other parts of the world there are different “schemes”, which connect with the banks in a certain region. SurePay is connected with some of these schemes and this allows checks to be performed outside the Netherlands.
  • At present, there are two schemes available for the IBAN-Name Check API for Banks. The SEPAMail scheme supports checks in France and Swift Bank Account Verification supports checks to some global banks which are curerntly connected to the network.

Each scheme supports slightly different features, so in each region other than NL, the check might work differently. For this reason we are presenting examples for each region in this chapter. Verifying bank accounts via external schemes costs extra, since these scheme owners also have costs in maintaining interfaces with local banks.

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France, access to SEPAMail scheme

The French section of the IBAN-Name Check API for Banks specifications provides detailed examples of how to use the API to perform checks for French bank accounts. The input request is the same but output parameters differ slightly from NL as we will explain in more detail below. Please be aware that on request the French scheme can be enabled, there are additional charges.

Differences between NL and FR

Where the French check differs from the check in the Netherlands:

  • Name suggestions are not always provided on close match for natural persons and on no match for organisations.
  • No switching information.
  • There is no close match for french organisations.

Request

POST
/v2/account/check/banks
{
    "accountId": {
        "value": "FR0218359000430598890U02759",
        "type": "IBAN"
    }, 
    "name": "Henri Dupond"
}

Response

{
    "result": {
        "account": {
            "accountHolderType": "NP",
            "status": "ACTIVE"
        },
        "resultType": "MATCHING"
    }
}

SWIFT BAV, access to SWIFT BAV connected banks

With our default IBAN-Name Check API for Banks we can connect on behalf of you with a wide range of banks connected to the SWIFT Pre Validation - Benneficiairy Account Verification service. Requests will remain the same, however the response can differ from the default SurePay scheme response:

  • Name suggestions are not always provided on close match for natural persons and on no match for organisations.
  • No switching information.
  • Some banks might only give back an account status, and do not yet parttake in name matching.
  • If a bank is not a participant of the SWIFT BAV service, SWIFT responses with an active not active based on historic transaction data.

For more information please visit the official website of Swift BAV: https://www.swift.com/our-solutions/global-financial-messaging/payments/payment-pre-validation

Or contact our sales team for more detailed information.

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