{"uid":"cap_URD4aXn6SCuacq7K2L-lI","slug":"iban-payee-verification-fin-codes-api-12d83137","name":"IBAN Payee Verification (Fin Codes API)","description":"Validate IBANs, BIC/SWIFT codes and local bank routing codes worldwide with one REST API. ABA, BSB, IFSC, CLABE, NCC, Canadian routing numbers and more, plus payee verification and sanctions screening.","url":"https://api.fincodesapi.com/x402/iban/verify-payee?utm_source=zero.xyz","method":"POST","headers":{},"bodySchema":{"type":"object","properties":{"iban":{"type":"string","example":"DE75512108001245126199","description":"SEPA IBAN whose account holder name should be verified."},"payee_name":{"type":"string","example":"John Doe","description":"Expected payee/account-holder name to verify."}}},"responseSchema":{"type":"json","example":{"data":{"id":"DE75512108001245126199","bic":{"id":"SOGEDEFF","bank":{"id":"cfb1758f-1195-4be9-b981-3fc63da7306b","code":"SOGE","name":"SOCIETE GENERALE S.A.","country_id":"DE"},"city":{"id":"c3eb05ae-2709-45c7-9799-d5e2fee08946","name":"Frankfurt Am Main","country_id":"DE"},"address":"NEUE MAINZER STRASSE 46-50","country":{"id":"DE","name":"Germany"},"postcode":"60311","branch_code":"","branch_name":"SOGEBANK Frankfurt Main"},"country":{"id":"DE","name":"Germany"},"account_number":"1245126199","payee_name_match":"MATCH","national_bank_code":"51210800","national_branch_code":""},"success":true}},"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.2","displayCostAsset":"USDC","priceDynamic":false,"priceHint":null,"priceStatus":"priced","priceSource":"probe","requiresHandshake":false,"reviewCount":0,"rating":{"score":"0.00","successRate":"0.00","reviews":0,"stars":null,"state":"unrated"},"availabilityStatus":"unknown","priceObserved":null,"sessionDeposit":null,"pricing":{"kind":"static","summary":"$0.2/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.2","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.2","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_wMr-RjAH_7WootDbX7GB5","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.2","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Verifies that an IBAN belongs to a named payee by checking the account holder name against the provided name, returning a match result along with BIC and bank details.","exampleAgentPrompt":"Can you verify whether IBAN DE75512108001245126199 actually belongs to someone named John Doe, and also return the matched name if it's only a close match?","exampleUseCases":[{"title":"Pre-payment payee confirmation","prompt":"Before I send this wire transfer, can you check if IBAN GB29NWBK60161331926819 actually belongs to Jane Smith — I want to make sure I have the right account holder before funds leave?"},{"title":"Fraud prevention in onboarding","prompt":"We're onboarding a new supplier who gave us IBAN FR7630006000011234567890189 and says the account is held by Dupont Industries SARL — can you confirm the account holder name matches and tell me the BIC?"},{"title":"AP team payment validation","prompt":"Our accounts payable team needs to validate that IBAN NL91ABNA0417164300 is registered to Acme BV before we process the invoice payment — please verify and return any close match names too."}],"resultDescription":"Returns a JSON object containing the payee name match status (MATCH, CLOSE_MATCH, or NO_MATCH), the resolved BIC/SWIFT code, full bank details (name, country, address, branch), account number, and national bank code. When include_matched_payee_name is true and the result is CLOSE_MATCH, the actual matched name on the account is also returned.","failureModes":["Invalid or malformed IBAN returns an error with no match result","IBAN from a country not supported by live name-checking returns a validation-only result without payee match","Network or bank connectivity issues may cause timeouts","Ambiguous or shortened payee names may return CLOSE_MATCH instead of MATCH","Missing required fields (iban or payee_name) return a 400 bad request"],"whenToPreferThis":"Choose this endpoint when you need to confirm that a specific named individual or entity owns a given IBAN before initiating a payment — it combines IBAN validation, BIC resolution, and payee name matching in a single call. Prefer it over plain IBAN validation endpoints when fraud prevention, compliance, or beneficiary verification is required.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-10-11T18:31:56.866Z","isFirstParty":false,"canonicalSlug":"iban-payee-verification-fin-codes-api-12d83137"}