How it works
Our API performs real-time verification to ensure a name or identifier matches the IBAN on record at the receiving bank, producing a standardised result. Verification of Payee checks through an EPC-certified solution you can trust. Built for performance at scale, it delivers ultra-fast response times via a simple API or a bulk file interface, making integration quick and painless for both real-time and batch use cases.
Simple API request
Your system calls our REST API with the payee’s name, VAT number or identifier + IBAN
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Who can use VoP Gateway?
Our API is fast, simple, and easy to integrate for PSPs, corporates, and partners. Whether embedding VoP into onboarding flows, payment systems, or partner platforms, it requires minimal setup and lets you start verifying payees instantly.
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For PSP's
We operate as both a requestor and responder, enabling PSPs to send and receive VoP checks seamlessly through a fast, scalable API.
For Corporates
Our VoP service helps corporates instantly verify customer and supplier bank details, reducing fraud, preventing payment errors, and keeping financial data clean
For Partners
Our VoP Hub lets partners instantly validate payees, enhancing their own solutions with trusted account verification. All without building VoP from scratch.
What our customers say...​​
We have had a very positive experience working with Apicunia. Their team has consistently demonstrated strong professionalism, responsiveness, and a clear commitment to understanding our needs. We particularly appreciated their flexibility and ability to adapt their solutions to our specific requirements. The collaboration has been smooth and efficient, and we look forward to continuing our partnership
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Product Owner
Onestra
Check out some of our features...
Limitless API VoP requests
Zero throttling restrictions
No throttling, no limits - our API handles as many verification requests as you need. Unlimited API access - send VoP requests at any scale, with no restrictions
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More reasons to choose Apicunia...
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Closer partnership model
Smaller providers typically offer more flexibility, collaboration, and tailored support
Matching Algorithm
Accurately handles typos, initials and common name variations while preserving strong risk integrity
Speed to market
Agile delivery models enable quicker onboarding, integration, and scheme certification
​High Performance
99.9% uptime with consistently fast response times of under 60ms
Future-proof innovation
Purpose-built platforms are designed to support evolving fraud signals, cross-border VoP, and value-added services
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Regulatory Compliance
Fully compliant with PSD2 and GDPR requirements. Designed in line with the EPC Rulebook