International Checks (Schemes)

The use cases section of the IBAN-Name Check for Organisations provides a wide range of practical examples about 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 cross-border checks to be performed outside the Netherlands.
  • At present moment, there are two schemes available for the IBAN-Name Check API for Organisations that support checks in France and Italy.

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 for Organisations provides detailed examples of how to use the API to perform checks for French bank accounts. In France, both natural person owned accounts as well as organisation owned accounts can be checked. The input and output parameters differ as we will explain in more detail below. Please be aware that on request the French scheme can be enabled, there are additional charges. The name of the French scheme is SEPAmail.

Differences between NL and FR

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

  • Name suggestions are not always provided.
  • No IBAN - Name matching for organisations.
  • Organisation checks only work with Siren/Siret/VAT number.
  • Less additional response fields available.
  • No joint account holder information.
  • No payment prevalidation.
  • No account age.
  • No switching information.
  • API response times can take from 5 to 30 seconds.

IBAN-Name Check for FR natural persons

For Natural persons In France it is possible to input an IBAN account and name in the request and to retrieve a MATCH, CLOSE_MATCH or a NO_MATCH in the response. In some cases we are able to provide a name suggestion, but not always. Please note that the French check works best when the full payee is provided.

Company ID check for FR organisations

The French scheme unfortunately does not support IBAN-Name checks in France (yet) for organisation owned bank accounts. An IBAN can be verified using the French company identification number. The scheme supports a Siren, Siret or VAT number.

  • The Siren is a company identification number, the Siret is a branch identification number
  • The VAT number is the Value Added Tax number.

In the examples, you will find more clarification about the use-cases. The original scheme data is provided in the response in the last field called schemeData.sepaMailSchemeData. This data is excluded from the examples for a simplified view.

Request

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

Response

{
    "nameMatchResult": "MATCH",
    "dataUsedForMatching": "VERIFIED",
    "account": {
        "accountNumberValidation": "VALID",
        "optedOut": false,
        "status": "ACTIVE",
        "accountType": "NP",
        "countryCode": "FR"
    },
    "scheme": "SEPAMAIL",
    "schemeData": "[{EXCLUDED FROM EXAMPLE}]"
    }

Italy, access to CBI scheme

The Italy section of the IBAN-Name Check API for Organisations provides detailed examples of how to use the API to perform payment pre-validation checks for Italian bank accounts. To perform checks with Italian bank accounts, the only account type valid is IBAN. And only Organisation owned bank accounts can be verified by our scheme partner in Italy. The name of the Italian Scheme is: CBI.

Differences between NL and IT

Where the Italian organisation check differs from the check in the Netherlands:

  • Name suggestions are not always provided.
  • No IBAN-Name matching for organisations.
  • Organisation checks only work with VAT number.
  • Less additional response fields available.
  • No joint account holder information.
  • No Natural Persons check (yet).
  • No payment prevalidation.
  • No account age.
  • No switching information.

IBAN-Name Check for IT natural persons

Unfortunately, our scheme partner in Italy is not yet able to verify Natural Person owned bank accounts.

Company ID check for IT organisations

The VAT number is the most widely used company identifier in Italy. This number can be verified against Italian IBANs using our Italian connection.

Request

POST
/account/check/organisations
{
    "accountId": {
        "value": "IT46O0200811770000019486583",
        "type": "IBAN"
    },
    "companyIds": [
        {
        "companyIdValue": "IT06844860962",
        "companyIdType": "EU_VAT"
        }
    ]
    }

Response

{
    "nameMatchResult": "COULD_NOT_MATCH",
    "dataUsedForMatching": "VERIFIED",
    "account": {
        "accountNumberValidation": "VALID",
        "optedOut": false,
        "status": "INACTIVE",
        "accountType": "UNKNOWN",
        "countryCode": "FR"
    },
    "scheme": "SEPAMAIL",
    "schemeData": "[{EXCLUDED FROM EXAMPLE}]"
    }