The Payee Account Check API is an additional optional service that allows to check whether the beneficiary's IBAN and name match prior to initiating a payment order. The API is currently only available for direct connectors.

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The API is currently only available for direct connectors.

To know more read, Rabo Banking Link manual for direct connectors

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Oauth is not required for this API.

Rate Limiting

A default rate limit plan is set for all APIs. The rate limit can be shared or individual (defined per operation). The table below describes the rate limiting for this product.

Operation	Type	Limit (API calls / s)	Counts towards shared limit
`POST /payments/single-payee-verification`	Shared	12	Yes

Requests

You can choose to perform this check before entering a payment instruction. The Payee account check is performed to make sure the payment is not rejected due to mismatch in IBAN Name combination.

The POST Status requests must contain a digital signature. You can generate this digital signature using the private key of your certificate. For the Sandbox environment, you can use an example certificate available in the Signing documentation.

You can verify the payee account check information by sending a POST request to the following endpoint:

POST https://api-sandbox.rabobank.nl/openapi/sandbox/spv/payments/single-payee-verification

To view full list of POST parameters, go to:

POST/payments/single-payee-verification

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Supported characters allowed range from A-Z, a-z, 0-9

Special characters include ; . / \ +? ( ) , +E(at) - colon.

No Diacritics letters or characters are allowed.

Response

POST Verify name and IBAN of the beneficiary

The response tells you the status of the payee account check :

MATCHING - The details are a match. If done together with a payment, the payment is executed immediately.
NOT_MATCHING - The details are not a match. If done together with a payment, the payment is rejected.
CLOSE_MATCH - The details match closely to what is provided. If done together with a payment, the payment is accepted.

To view the POST parameters, read the endpoint description for:

POST/payments/single-payee-verification

{
"result": {
    "resultType": "MATCHING"
}}

Some scenarios, as mentioned below, require specific paymentId(s) in the URL to get the mentioned responses.

Scenarios are mentioned here:

Status Code	Result Code	IBAN	Description
200 OK	MATCHING	NL60RABO159349508	The result of the request is good. You can decide to execute the payment instruction.
200 OK	NOT_MATCHING	NL34RABO0305240692	The result of the request is good. You can decide decide whether or not to execute the payment instruction.
200 OK	CLOSE_MATCH	NL03RABO0300000146	The result of the request is good. You can decide decide whether or not to execute the payment instruction.
401 Unauthorised	CERTIFICATE_INVALID		Use the value invalid for the header: Signature-Certificate.
401 Unauthorised	CERTIFICATE_MISSING		Use the value missing for the header: Signature-Certificate.
401 Unauthorised	CERTIFICATE_EXPIRED		Use the value expired for the header: Signature-Certificate.
401 Unauthorised	CERTIFICATE_BLOCKED		Use the value blocked for the header: Signature-Certificate.
401 Unauthorised	CERTIFICATE_REVOKED		Use the value revoked for the header: Signature-Certificate.
405 Method Not Allowed			Use GET instead of POST
503 SERVICE_UNAVAILABLE		NL03RABO0300000147	Forced service unavailable.

Note: These codes are for Sandbox only.

Response statuses

Here is a description of the expected response statuses:

MATCHING : The account holder name matches the provided IBAN.
NOT_MATCHING : The account holder name does not match the provided IBAN.
CLOSE_MATCH : The provided name closely resembles the account holder name.
INVALID_NAME_LENGTH : The provided name does not meet the required length constraints.
IBAN_UNKNOWN : The provided IBAN is not recognized.
ID_OR_NAME_NOT_PROVIDED : Either the account identifier or name is missing in the request.
INVALID_NAME : The provided name contains invalid characters or format.
ACCOUNT_INACTIVE : The account associated with the IBAN is inactive.