---
title: "Verification of Payee (VoP) Readiness & Match-Outcome Simulator"
method: POST
path: "/v1/tools/simulate_vop_match_outcome"
tags: ["VoP", "verification of payee", "SCT Inst", "instant payments", "IPR", "EPC", "name matching", "close match", "IBAN", "SEPA", "APP fraud"]
---

# Verification of Payee (VoP) Readiness & Match-Outcome Simulator

`POST /v1/tools/simulate_vop_match_outcome`

## Request

- Base URL: `https://ainumbers.co`
- URL: `https://ainumbers.co/v1/tools/simulate_vop_match_outcome`
- Auth: none declared

Deterministic VoP name-matching simulator returning the four EPC outcomes (Match / Close Match / No Match / Verification Not Possible) with tunable thresholds, deterministic normalisation (diacritics, legal-form suffixes, token order) and Levenshtein scoring, plus a PSP readiness scorer against the EPC VoP Scheme Rulebook (in force 2025-10-05) and Instant Payments Regulation (EU) 2024/886. Matching algorithm is illustrative — the Rulebook leaves algorithm choice to each responding PSP.

**Tool URL:** https://ainumbers.co/tools/289-verification-of-payee-simulator.html
**AP2/Policy Mandate export:** yes

## Request body

- object
  - `payee_name` string, required
  - `registered_name` string, required
  - `iban` string
  - `entity_type` string
  - `match_threshold` number
  - `close_threshold` number

## Response `200`

Successful tool execution result

- object
  - `outcome` 'MATCH' | 'CLOSE MATCH' | 'NO MATCH' | 'VERIFICATION NOT POSSIBLE'
  - `similarity` number
  - `readiness_score` number
  - `rag_status` 'GREEN' | 'AMBER' | 'RED'
  - `gaps` unknown[]
    - unknown

---

[API](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite.md) · [All operations](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/llms.txt) · [OpenAPI document](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/revisions/b462e4f5bb28?raw)