Use Case 1 of 3: SEPA Payouts

SEPA Payout Validation & Error Prevention

Scale automated payouts across the Single Euro Payments Area (SEPA) with zero transfer rejections caused by mistyped bank numbers or invalid routing codes.

Explore All 3 PayeeValidate Use Cases:

1. SEPA Payouts (Current): Preventing failed payouts & return fees (View Guide)
2. Marketplace Onboarding: Verifying vendor and merchant bank details instantly (View Guide)
3. ERP Master Data: Securing supplier accounts payable workflows (View Guide)

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The Problem: Bounced SEPA Payouts & Return Fees

For marketplaces, payroll platforms, and SaaS billing engines processing high-volume SEPA credit transfers, a single mistyped IBAN or invalid routing code causes payment failure. Bounced transfers incur costly interbank return fees, delay payout schedules by 3 to 5 business days, and generate heavy customer support ticket volume.

What to Validate Before Initiating Payouts

Formatting & Country Constraints: Verify that recipient account numbers strictly match ISO 13616 length and regex specifications for the destination country.
ISO MOD-97 Checksums: Run mathematical check digit verification to catch accidental typos and transposed digits instantly at form submission.
Routing Codes & BIC Resolution: Match bank codes against official national registries (such as Bundesbank data for Germany) to ensure correct institutional routing.

How the PayeeValidate API Helps

PayeeValidate integrates directly into your payout pipeline via a sub-50ms REST API. By validating recipient IBANs the moment they are entered into your dashboard or API, you stop invalid bank details before instructions reach your payment gateway or clearing bank.

Honest Scope & Limitations

Our API guarantees structural correctness, MOD-97 check digit validity, and routing code mapping. However, under European privacy laws (GDPR), external APIs cannot query individual bank account balances or verify exact account holder names in real time. Validation ensures the destination is mathematically and structurally sound.

Pricing & Getting Started

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