Verification and Confirmation of Payee (VoP/CoP)
How Volt implements Verification of Payee (VoP) for EUR payments and Confirmation of Payee (CoP) for AUD payments.
VoP is a real-time, pre-authorisation name-checking service that verifies whether the payee name provided by the payer matches the account holder name at the receiving PSP. By confirming this alignment before a payment is initiated, VoP reduces fraud, prevents misdirected payments, and strengthens payer confidence.
Payouts and refunds notifications
Volt automatically performs a Verification of Payee (VoP) check for all EUR payouts and refunds before processing the transaction.
If the VoP check results in a full match, your payout or refund will be sent for processing automatically. If the VoP check returns a partial match or no match, Volt will send you a VoP result notification. Once you receive this notification, you must confirm or decline the result. If you don’t respond, the payout will not be submitted for processing.
You can also accept a VoP result directly in Fuzebox, using Strong Customer Authentication (SCA). Regardless of whether you initiate the payout/refund from the API or through Fuzebox, Volt will send you one notification per payout request that specifies the VoP status. If you need additional payout status information, you can call the GET /payouts/{id} endpoint.
About the notification
- This notification will be delivered to your payout or refund, depending on payment type, notifications URL – you should this in Fuzebox
- As this is a Connect notification, the
User-Agentwill be Volt/2.0 - It will contain an
X-Volt-Typeheader containing verification_of_payee so that you can easily identify the message format to process
Verification of Payee result
Verification of Payee notification will be sent only if the matching results is close match, no match and error.
POST /payout_notification_url HTTP/1.1
Host: customer.com
Content-Type: application/json
User-Agent: Volt/2.0
X-Volt-Timed: 20200131123456
X-Volt-Signed: eda5e46baa6a676851975365e12b4ae61ee48442c0cbb8d0e3c3cfd47c3e1085
X-Volt-Type: payout_confirmed | refund_vop_review_required | payout_vop_review_required{
"transactionId":"57e61ba8-20d8-4043-9a94-8efd2014a057",
"transactionType": "payout",
"vopId": "0971190a-e5a9-425c-b127-a168b56c0d7b",
"result": "close_match",
"accountHolder": "John Smith"
}Notification example
{
"resourceId" : "a7856708-d0c9-4307-8a36-63260c26ee4d",
"resourceType" : "refund",
"vopId" : "43a080a6-17ba-493f-a32a-1e7bd600f255",
"result" : "CLOSE_MATCH",
"accountHolder" : "John Smith"
}Notification fields
| Field | Description |
|---|---|
resourceId | Resource id for which VoP process has been done. |
resourceType | payout, refund. Type of resource for which VoP has been done. |
vopId | Id of particulat VoP process. |
result | CLOSE_MATCH, NO_MATCH, ERROR. |
accountHolder | Name of the beneficiary that you'd like to send a payout to. |
Confirmation of Payee (CoP) for Australia
Confirmation of Payee (CoP) is the equivalent of VoP for Australian payouts and refunds.
CoP uses the same API endpoints and integration as VoP. No separate CoP endpoint or integration is required.
CoP on outgoing AUD payments is optional and can be enabled per customer ID. By default, CoP is not applied to outgoing payments unless it has been enabled for the customer.
For Australian payouts, an ACCOUNT_CLOSED result automatically causes the payout to fail.
Sandbox triggers
In Sandbox, every CoP result can be reproduced without a live provider call. The same triggers can also be used for EUR and AUD.
Set the beneficiary/payer name to a value containing one of the following substrings:
| Trigger substring | Produces |
|---|---|
VOP:CloseMatch | CLOSE_MATCH |
VOP:NoMatch | NO_MATCH |
VOP:Error | ERROR |
VOP:AccountClosed | ACCOUNT_CLOSED |
| (no trigger substring) | MATCH |
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