Verification of Payee - Requester

Description of Verification of Payee Requester service.

This Service is currently under development and documentation is still subject to changes and improvements.

Service description

This service verifies if the creditor's account number matches the associated name.

Request

POST https://connect.lhv.com/payment/vop-request

Header

Name	Value
Content-Type	application/json
Client-Code	customer value
Client-Country	customer value

Body

Name	M/O	Description
Identification	M	Account number of the account to do a name verification on. Must be IBAN.
Name	M	The name string to be checked for a match.

Example

{
  "Identification": "IT76L0300203280825973665778",
  "Name": "Account Name"
}

Response

Verification of Payee Requester Response can be requested via the Messages service.

HTTP Header Message-Response-Type: VERIFICATION_OF_PAYEE

Header

Name	Value
Content-Type	application/json
X-Bank-Code	LHVUK, LHVEE

Body

Name	M/O	Description
OriginalMessageId	M
Data.Answer	M	Indicator if the verification has produced a full match or not. Confirmed - Verification has produced a full match Rejected - Verification did not produce a full match
Data.Identification	M	Account number from the request.
Data.ActualName	O	Actual name if the name in the request is a close match.
Data.Name	M	Name from the request.
ReasonCode	M	Find list of reason codes here.
Description	M	Find list of reason code descriptions here.
Errors	O

Example

Successful

{
  "OriginalMessageId": "...",
  "Data": {
    "Answer": "string",
    "Identification": "string",
    "ActualName": "string",
    "Name": [
      "string"
    ],
    "ReasonCode": "string",
    "Description": "string"
  },
  "Errors": null
}

Error

{
  "OriginalMessageId": "...",
  "Data": null,
  "Errors": [
    {
      "ErrorCode": "...",
      "ErrorMessage": "..."
    }
  ]
}

Example of the flow

Verification of Payee Requester

Step	Action	Description
1.	Initiating Verification of Payee Request	VOP request can be initiated before making a payment to verify the account details of the intended recipient.
2.	Forwarding Request to the Responder	LHV receives the Request and forwards it to the Responder for processing, ensuring accurate and timely validation of the account information.
3.	LHV will receive Response to the previously initiated Request	VOP Responder processes the Request and returns a Response. This Response indicates whether the provided account details match the account holder's information on record.
4.	LHV will forward response back to the PSP	Received Response is also forwarded back to the PSP.

Reason code values

ReasonCode	Description
MTCH	It's a match. The account name and details match those on record.
NMTC	The name you provided doesn't match the name for the account. You can still continue with the payment, but your money may be sent to the wrong account.
CMTC	The name is a close match. The actual name on the account is (...).
NOAP	We are currently unable to verify the account details. You can either try again in a few minutes or continue your payment without verification. If you continue, please double check the details.
TECH	We are currently unable to verify the account details. You can either try again in a few minutes or continue your payment without verification. If you continue, please double check the details.