Frequently Asked Questions
Frequently Asked Questions Organisation
View all questions about the portal and our API for organisation here:
Frequently Asked Questions Banks
View all questions about our API for banks here:
IBAN-Name Check Portal
SurePay portal follows the “privacy by design” principle and is compliant with the European data privacy regulations. Therefore, data stored for 30 days, in line with the current regulations and other agreements SurePay has in place with banks and partners.
You can contact us via email, at [email protected] or you can call us at +31 30 200 4779.
The Essential package is designed for one user, Standard subscription has three users and PRO subscriptions come with five spots available. We offer the option to add an extra batch of five users for € 50 / month, with no restriction on the number of batches.
We have three subscriptions available, Essential (€ 25 / month), Standard (€ 50 / month) & PRO (€ 80 / month). We are also offering the option of a custom made subscription to meet the special requirements every business has. Every option is detailed here. (embedded link: https://surepay.nl/en/services/portal-pricing/ )
You can always check your volume by sending an email to [email protected] and one of our representative will provide a report within 24 hours. The function will become available with future product releases.
You can easily register by sending a request via this form (embedded link: https://surepay.nl/en/services/portal/). Each request will be validated by the system before generating the credentials. Once the validation process is complete, the requester will receive an email with all the details needed to complete the registration. You can always reach out to [email protected] for any questions you might have.
For single checks, the results are displayed directly in the portal, on the right side of the screen. File checks results, available with PRO subscription, are available in a downloadable document.
Besides the IBAN-Name Check (INC), one can check the company KvK, KvK branch number and the VAT. Similar options are available for cross-borders checks.
Don’t worry, your account will be created shortly. You will receive a confirmation mail with your personal login details within 2 working days.
The option will be available soon for every organisation. Currently we provide updates about the usage upon request via [email protected]
A SurePay representative will inform you within 24 hours.
Subscriptions can be modified by sending a request to update the subscription to [email protected]
A SurePay representative will process your request and update you via email. The new subscription will be available starting first day of the following month.
Users can be removed from your organisation by sending a request to remove user to [email protected]
A SurePay representative will process the request within 24 hours and update you via email.
New users can be added in the “Account settings” section. Click on your initial, visible in top right corner, and select “Account settings” option. The “Add user” option is available on the lef side menu; click on it, fill in the mandatory details and hit the “Send request” button. The system will validate the email address within 24 hours and the new user will be informed via email.
The billing info can be updated in the “Account settings” section. Click on your initial, visible in top right corner, and select “Account settings” option. The billing details will be automatically displayed and you can fill in the new details before pressing the “Save” button.
SurePay portal follows the “privacy by design” principle and is compliant with the European data privacy regulations. Single checks are never stored on the portal, while file check results are available for 30 days. Both single and file checks can be downloaded locally. We encourage every user to store their data in a secure environment.
File check feature is available for Business PRO customers and it can be found on the top menu bar. Once the user clicks on the “File check” button, they will be redirected to a new page where they can upload or simply drag & drop their file. A file template is available on this page below the “Upload file” option and can be used as reference. The first three columns have to be filled in, as described in the template, before uploading the file. Once the check is completed, the file containing the results will be displayed on the right side of the page, along with the download option.
Single checks can be done on the main page. For every entry, the user has to provide a name and an IBAN before hitting the “Check” button. The results will be displayed on the same page.
Every user can login via portal.surepay.nl Once they fill in their organisation name, previously provided by SurePay, email address plus password, and the one time code provided by the MFA app, the login is completed and the user is ready to run their checks.
Email confirmation is a mandatory step to complete the registration on the portal. Every user will receive a separate email from the system with a 24 hours valid link. Once the user clicks on the link, the email is confirmed and they can proceed to the next step.
Because of a different pricing structure you will have to sign another contract if you would like to use the API. Additional information and access to our API can be requested by sending an e-mail to [email protected].
Your company is invoiced at the end of a month. You will receive an e-mail with the invoice on the email address of the first user. Your billing address can be changed in the portal under the “account settings“ button.
Verified by bank or matched on historic data describes the type of data that was used to determine the check result. Using a verified data source means we used the data directly from the account servicing bank. A “matched on historic data“ result is based on data from historical transactions or derived from other non-bank datasources. Checks on derived data could in some cases be out of date or slightly less accurate.
You can currently increase your coverage in France by subscribing to our french connection. We are currently working on integrating in other countries as well! For more information please check this page:
A small portion of foreign (non NL) bank accounts can already be checked in the basic package.
In the Netherlands we have a coverage of over 99%. We are able to check most of your requests. It can occur that we don’t have the bank account data of some smaller local branches of international banks.
You can stop your subscription by sending an email to [email protected]
We have a manual explaining how you can interpret the bulk file results. It can be downloaded by clicking on the link below:
For additional information on our premium features, please check the page below.
IBAN-Name Check for Organisations – SurePay
Premium features can be requested by sending an email to [email protected]
The bank account you are checking can be owned by a Natural Person or an Organization. By natural person we mean a privately owned bank account. For organizations it’s also possible to check business identifiers, like the KvK number of the organization who owns the bank account so that you’re absolutely sure you are dealing with the right company.
Our service checks whether an IBAN matches the name of the account holder. Because of data protection rules and agreements with banks in different countries we are not always allowed to share the name of an account holder.
For organisation owned bank accounts in NL we can always share the name of an account holder, for natural persons in NL we can only share the name in case of a close match. For countries outside NL it’s most often the case that we cannot share the name of the account holder.
IBAN-Name Check API
For organisation
The IBAN-Name Check can handle all Dutch bank accounts (IBAN). SurePay can check all IBAN-Name-combinations in your customer- and supplier databases as long as the IBANs are Dutch and start with NL. Your database can contain checking- and savings accounts. Personal and business accounts. Issued by Rabobank or any other Dutch bank. At present, the coverage of foreign account numbers is insufficient to support checks of foreign IBANs.
SurePay Confirmation of Payee checks all UK bank accounts.
The IBAN-Name File Check requires you to submit your data files to SurePay in order for us to run the check and provide you with the results.
We have chosen to use mSafe for the exchange and storage of your sensitive data files. A secure and personal work space is created that can only be accessed by one person of SurePay and one person within your organization. Files are encrypted during transport and storage. User acces is secured with two factor authentication. For further security measurements and file specifications, please click here.
This depends on the agreement we have reached and is based on frequency and volume. SurePay guarantees to process your files in five working days. In case of emergency or good preparations however it is possible to process your file in a few hours so that you’ll have the results the same day.
Right now, the IBAN-Name File Check is only available with a manual file exchange process. Meaning that you have to upload your data files into the personal and secured work space that SurePay created for your company. We run the check. We place the new file containing the results of the check in your organization’s work space, after which you can download the results file. This is a good solution for one off checks of entire CRM or bookkeeping files.
This process is not suitable for a realtime check of for instance new customers on your website. For this purpose, we are currently developing an API solution that your organization can integrate into your onboarding and customer service processes. Do you have an interest for the IBAN-Name File Check API? Please contact us for further information and the updated status.
The cost depend on frequency of file exchange, volume of your files and how fast you want us to deliver the results.
A one-off check of your files is available as of € 2.500 including account set up and 10.000 records. A subsequent monthly check of your mutation files is available as of € 400 per month. Please contact us for a quotation.
When your customers are planning to pay you via a credit transfer, they will manually enter your business name and account number (IBAN), after which these details are instantly verified. SurePay verifies whether the entered business name corresponds to the data at the bank of registry – your bank. When the entered details correspond to these at the bank of registry, no notifications are presented and your customers will be able to send through the transfer right away. When the entered name does not correspond to the official registration, we display the business name as registered at the bank. The customer then decides whether to proceed or cancel the transfer.
Do you have a business account with Rabobank, ING, SNS, ASN or Regiobank? Then we also verify entered details against the trade names you registered at the Dutch Chamber of Commerce. Unfortunately, this cannot be accomplished for business accounts with other banks, until they have implemented SurePay’s Account Check.
When your customers are prompted with a notification, it could result in uncertainty and delayed payment processing. In order to avoid hassle and inconvenience, please ensure that the name you articulate on your invoices corresponds to the official registration or account ascription at your bank.
Occasionally, it can happen that your company details are not properly checked due to a variety of reasons. For instance, when you have just opened a new bank account which has not received payments yet. Or, when the ascription of your bank account at the bank of registry deviates from any name you articulate via your invoices.
In such cases, your customers will be prompted a notification that contains the name by which this account is supposedly known at the bank of registry. This, in turn, can cause extra calls to your customer service center or delayed payment processing. You can easily prevent such situations by ensuring the names you communicate to your customers do match the registration of your bank account.
Hitherto, we can only verify trade names registered at the Dutch Chamber of Commerce if you have a business or corporate account with banks that have implemented the IBAN-Name Check. For other accounts, we will be able to do so as soon as your bank has implemented the IBAN-Name Check.
Yes. Your business details are verified for every payment based on the registration at the relevant bank only. However, until your bank has implemented the IBAN-Name Check, we will not be able to check against any names registered with the Dutch Chamber of Commerce. Please check with your own bank when and whether it is planning to implement the IBAN-Name Check.
No. Notifications never prevent payers from sending a transfer through. The customer is always able to proceed with the transfer, even though account name and account number do not match with their registration at the relevant bank.
If you submit payment batch files to your bank, it is good to know that these payments are not checked by the SurePay Account Check. Hence, the payment process will not be disturbed, nor will any payment be rejected due to the check.
It is up to the banks to deploy the check for batches as well.
Should you as a company wish to have all your payments checked? Or should you wish to check the financial details of your business relations? Please read more about the IBAN-Name File Check that we have developed for this purpose.
IBAN-Name Check API
For banks
On the bank’s side, there are two important things to consider.
First of all, the API that allows for Account Name Verification has to be integrated into your online banking environment.
Secondly, data provisioning has to be taken care of. This concerns the provisioning of customer data by your bank to SurePay so that SurePay’s algorithm can match the payment data to your bank’s customer data. Further information on required implementation efforts can be found in the sample Implementation Plan
When making a transfer online, the IBAN-Name Check and the SurePay Confirmation of Payee verify entered account details of the beneficiary prior to the actual transfer. The verification is based on the unique combination of the account holder’s name information beloning to a specific account number. The payer’s bank sends the entered account name and number to SurePay, which in turn verifies the details against the available data in order to provides a response. Should entered details be incorrect (i.e. the beneficiary name does not match with the names known at the bank for this account number), then the payment initiator will get a notification. The payer might be at risk of payment fraud or possibly has made a mistake.
The IBAN-Name Check is tailored for the Dutch market and the SurePay Confirmation of Payee adheres to UK market requirements, rules and regulations.
Should entered account details match the information known at the bank for the relevant account number, generally no notifications are prompted. When this is not the case, you can distinguish three main types of notifications:
Warning
When the entered name does not match with the account information known at the relevant bank by any means – for instance ‘D. Williams’ instead of ‘K. James’ – a warning notification is prompted. Please be aware that you might be subject to a scam, fraud or may have made a mistake. The notification will tell you that the account holder is registered under a different name at the relevant bank. Consider alternative measures or get in touch with the beneficiary before proceeding to transfer any funds.
Name Suggestion
In case of minor errors, such as a typo, you will be prompted with a suggested name as registered at the relevant bank. For instance, ‘Williams’ instead of ‘Wiliams’. Please check whether the suggested name belongs to the person/company you are intending to transfer funds to.
Service Not Available
SurePay verifies account numbers and their information across its base. In case SurePay is not able to verify account details against an account number, you will be notified as well. This can, for instance, occur for foreign bank accounts numbers for which SurePay may have insufficient information available.
No, you don’t. SurePay’s IBAN-Name Check service is not a separate app, nor programme. Your own bank can opt to integrate SurePay’s Account Name Verification service in its online environment, and make it available to you. The service generally works for online transfers and is commonly made available through a regular banking application.
Currently, SurePay’s services are only available to customers of the larger banks in the Netherlands.
At the current moment, SurePay’s IBAN-Name Check service is exclusively available to customers of these Dutch banks: Rabobank, ING Bank, SNS Bank, Regiobank, ASN Bank, ABN AMRO & Knab. Other financial institutions in the Netherlands have not yet implemented our services, but are planning to do so.
Businesses and organisations can also implement the IBAN-Name Check in their own business processes and systems, regardless of what bank they use.
Notifications only appear in the payment initiation screen, prior to sending through your payment, and appears right after you have completed the fields beneficiary name and account number (IBAN). On the background the check is carried out instantly without any noticeable delay.
Notifications only appear should your entered beneficiary details differ from their registration at the relevant bank. When the beneficiary details you’ve entered correspond to the details of the back account holder at the bank of registry, no notification is given. If the entered beneficiary details contain a typo or rather small deviation from the actual registration, you will be prompted a clickable name suggestion.
In case you are not able to further verify the beneficiary details in your online banking environment, please contact the beneficiary to cross check the account details. You are responsible for they payments and transfers you make – even when a notification is prompted.
SurePay’s Account Check deploys an intelligent algorithm that compares the user’s entered beneficiary details against the SurePay database, which contains data from several sources such as connected banks and the Dutch Chambers of Commerce.
The service takes advantage of multiple data fields of the beneficiary’s bank of registry in order to match with users’ input. The outcome can be a match, a near match or a non-match, in which case the user can be prompted with a notification.
For its operations, it is important that SurePay’s service has access to complete and up-to-date client records of connected banks. Ensuring this will help to prevent fraud and payment misdirection.
In order to ensure high quality matching, the SurePay algorithm needs access to the verified customer data of the bank that has issued the account. For business accounts, SurePay retrieves additional trade names as registered at the Chambers of Commerce, for the registry number that the banks hold in their files for their business customers. This is important because payments to trade names should not lead to a warning notification.
SurePay closes agreements with connected banks for the provisioning of customer data, in which purpose limitation is included and clearly described. Meaning that the data you provision as a bank will strictly and solely be used for the agreed purposes.
The user has always been at the centre of what we do. In designing and building SurePay’s Account Name Verification service we have considered the fact that end-users would always like an uninterrupted and pleasant payment experience. Hence, the check is performed instantly and highly reliable. Moreover, the user always remains in charge. Meaning that regardless of any notification prompted, the user may always choose to continue the transfer.
In line with strict policies and regulations, we never disclose any personal information on private bank accounts in our notifications, unless we’re certain that the user has made type when entering the beneficiary details.
Our Account Name Verification solution has undergone thorough testing by thousands of users. This has allowed us to bring to market an even better version of our service right away.
We deliver a quotation based on your needs, and therefore refrain from stating exact rates. We do, however, provide further information on how our prices are set and what they’re based on.
For banks, prices are roughly built up of a one-off connection fee and a per-call fee to our API, which is based on the aggregate number of transactions over a period of time. For banks who provision their data as well as consume our API, there are significant price reductions available. Please contact an account manager for further enquiries.
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What our clients say
At a time when you are increasingly tempted to make "wrong" payments, we welcome SurePay's IBAN Name Check portal. With this portal, we were able to build in an extra check in checking the name-IBAN combinations so that we can be sure that the name and IBAN match.
Thanks to Bluem's quick and good implementation, we were able to check our (new) suppliers immediately with the IBAN Name Check. This not only prevents fraud but also allows us to clean up our entire database.
Smooth implementation of IBAN Name Check and Switch Check at BNG Bank. Within 4 weeks (2 sprints) the connection between our systems and SurePay's API was in place.
This collaboration is a win-win for our users and for us internally. We simplify the customer journey and remove manual work for the practitioner. This saves costs, accelerates acceptance and decreases onboarding lead time.
The SurePay IBAN Name Check portal is a valuable addition to our business processes. It provides a piece of assurance about the accuracy of our payments regarding the ascription and the corresponding IBAN. Financial losses are thus minimized.
The IBAN Name Check provides proof that our data is up-to-date, and prevents fraud and errors. We spend fewer hours on manual system adjustments and there is no longer a delay in sending payments.