# IBAN Payee Verification (Fin Codes API)

> IBAN Payee Verification (Fin Codes API) is a paid API for AI agents from api.fincodesapi.com, paid per call via x402, $0.2/call, status unknown (last checked 2026-10-11).

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.

## Facts

- Endpoint: POST https://api.fincodesapi.com/x402/iban/verify-payee?utm_source=zero.xyz
- Price: $0.2/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-11
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/iban-payee-verification-fin-codes-api-12d83137
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_URD4aXn6SCuacq7K2L-lI

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability iban-payee-verification-fin-codes-api-12d83137 -d '<json body>'
```

Example prompt: 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?

## When to prefer this

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.

## Known failure modes

- 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

## How this service works

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.

## Output

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.

## Request schema (JSON Schema)

```json
{
 "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."
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "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
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/iban-payee-verification-fin-codes-api-12d83137/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from api.fincodesapi.com](https://www.zero.xyz/host/api.fincodesapi.com/llms.txt)