Verification of Payee opt-out for bulk payments

Every EUR outgoing wire transferWire TransferA transaction that moves funds between accounts. An incoming wire transfer moves funds from a third-party bank account to a Weavr managed account, while an outgoing wire transfer moves funds from a Weavr managed account to a third-party bank account. Wire transfers require the managed account to have an assigned IBAN (for EUR) or sort code and account number (for GBP). (OWTOWT (Outgoing Wire Transfer). Outgoing Wire Transfer - a transaction that moves funds from a Weavr managed account to a bank account held at a third-party financial institution. OWTs require the managed account to have an assigned IBAN and the user to complete Strong Customer Authentication.) sent over SEPASEPA (Single Euro Payments Area). Single Euro Payments Area - the European scheme that standardises euro-denominated bank transfers across participating countries. EUR managed accounts settle incoming and outgoing wire transfers via SEPA Credit Transfer (SCT) or SEPA Instant; our [Verification of Payee](/transactions/owt/vop/overview) check runs against the IBAN registered with the beneficiary's bank or PSP before a SEPA payment executes. goes through a Verification of Payee (VoP) check, and the user must confirm or cancel each one. For a supplierSupplierA trusted business or individual that receives payments from Buyers through payment runs. Suppliers can be stored in a trusted supplier list, and when marked as trusted, may allow Buyers to skip Strong Customer Authentication when executing payment runs to those suppliers. run of hundreds of payments, that means confirming every payment individually.

The SEPASEPA (Single Euro Payments Area). Single Euro Payments Area - the European scheme that standardises euro-denominated bank transfers across participating countries. EUR managed accounts settle incoming and outgoing wire transfers via SEPA Credit Transfer (SCT) or SEPA Instant; our [Verification of Payee](/transactions/owt/vop/overview) check runs against the IBAN registered with the beneficiary's bank or PSP before a SEPA payment executes. Regulation lets businesses opt out of VoP for payments they submit as a package. A corporate that opts out skips the VoP check and the confirm step on the EUR OWTsOWT (Outgoing Wire Transfer). Outgoing Wire Transfer - a transaction that moves funds from a Weavr managed account to a bank account held at a third-party financial institution. OWTs require the managed account to have an assigned IBAN and the user to complete Strong Customer Authentication. it submits in bulk. The corporate can opt back in at any time.

Sandbox availability

As of October 30, 2026, VoP opt-out for bulk payments is available in sandbox only. It is not available in production. The ability to opt out can be enabled once we've certified your app's opt-out screen. See Certification.

When the opt-out applies

The opt-out only applies when all of the following are true:

• The end customer is a corporate.
• The corporate's setting is OPTED_OUT at the moment each OWTOWT (Outgoing Wire Transfer). Outgoing Wire Transfer - a transaction that moves funds from a Weavr managed account to a bank account held at a third-party financial institution. OWTs require the managed account to have an assigned IBAN and the user to complete Strong Customer Authentication. is processed.
• The OWTOWT (Outgoing Wire Transfer). Outgoing Wire Transfer - a transaction that moves funds from a Weavr managed account to a bank account held at a third-party financial institution. OWTs require the managed account to have an assigned IBAN and the user to complete Strong Customer Authentication. is a EUR payment sent over SEPASEPA (Single Euro Payments Area). Single Euro Payments Area - the European scheme that standardises euro-denominated bank transfers across participating countries. EUR managed accounts settle incoming and outgoing wire transfers via SEPA Credit Transfer (SCT) or SEPA Instant; our [Verification of Payee](/transactions/owt/vop/overview) check runs against the IBAN registered with the beneficiary's bank or PSP before a SEPA payment executes. (SCT or SCT Instant).
• The OWTOWT (Outgoing Wire Transfer). Outgoing Wire Transfer - a transaction that moves funds from a Weavr managed account to a bank account held at a third-party financial institution. OWTs require the managed account to have an assigned IBAN and the user to complete Strong Customer Authentication. was created through bulk outgoing wire transfers, in a bulk of two or more payments.

In every other case, VoP runs as normal. This includes:

• OWTsOWT (Outgoing Wire Transfer). Outgoing Wire Transfer - a transaction that moves funds from a Weavr managed account to a bank account held at a third-party financial institution. OWTs require the managed account to have an assigned IBAN and the user to complete Strong Customer Authentication. created on their own with POST/outgoing_wire_transfers.
• A bulk that contains a single OWTOWT (Outgoing Wire Transfer). Outgoing Wire Transfer - a transaction that moves funds from a Weavr managed account to a bank account held at a third-party financial institution. OWTs require the managed account to have an assigned IBAN and the user to complete Strong Customer Authentication.. A single payment isn't a package under the regulation.
• GBP payments. The opt-out covers SEPASEPA (Single Euro Payments Area). Single Euro Payments Area - the European scheme that standardises euro-denominated bank transfers across participating countries. EUR managed accounts settle incoming and outgoing wire transfers via SEPA Credit Transfer (SCT) or SEPA Instant; our [Verification of Payee](/transactions/owt/vop/overview) check runs against the IBAN registered with the beneficiary's bank or PSP before a SEPA payment executes. VoP only, not Confirmation of Payee.

How it changes the OWT flow

Step	Corporate opted in (default)	Corporate opted out
VoP check	Runs on each OWTOWT (Outgoing Wire Transfer). Outgoing Wire Transfer - a transaction that moves funds from a Weavr managed account to a bank account held at a third-party financial institution. OWTs require the managed account to have an assigned IBAN and the user to complete Strong Customer Authentication.	Skipped
VoP result	MATCH, CLOSE_MATCH, NO_MATCH, or NOT_POSSIBLE	OPTED_OUT
Confirm step	Each OWTOWT (Outgoing Wire Transfer). Outgoing Wire Transfer - a transaction that moves funds from a Weavr managed account to a bank account held at a third-party financial institution. OWTs require the managed account to have an assigned IBAN and the user to complete Strong Customer Authentication. waits in PENDING_CONFIRMATION until the user confirms or cancels it	PENDING_CONFIRMATION state is skipped
Transaction confirmation SCASCA (Strong Customer Authentication). Strong Customer Authentication - a two-factor authentication solution required by PSD2 regulations for when end-users are accessing their payment account sensitive information or initiating transactions. SCA requires at least two of the following: something you know (password), something you have (device), or something you are (biometrics).	Applies as normal	Applies as normal

Opting out removes the VoP check and the confirm step only. The OWTsOWT (Outgoing Wire Transfer). Outgoing Wire Transfer - a transaction that moves funds from a Weavr managed account to a bank account held at a third-party financial institution. OWTs require the managed account to have an assigned IBAN and the user to complete Strong Customer Authentication. still need a transaction confirmation challenge unless an SCASCA (Strong Customer Authentication). Strong Customer Authentication - a two-factor authentication solution required by PSD2 regulations for when end-users are accessing their payment account sensitive information or initiating transactions. SCA requires at least two of the following: something you know (password), something you have (device), or something you are (biometrics). exemption applies, exactly as they do today.

How an opted-out OWT looks

An OWTOWT (Outgoing Wire Transfer). Outgoing Wire Transfer - a transaction that moves funds from a Weavr managed account to a bank account held at a third-party financial institution. OWTs require the managed account to have an assigned IBAN and the user to complete Strong Customer Authentication. that skipped the check has a SEPA_VERIFICATION_OF_PAYEE validation outcome with a match of OPTED_OUT. You see this in the responses of GET/outgoing_wire_transfers/{id} and GET/outgoing_wire_transfers, and in the POST/outgoing_wire_transfers/watch webhook.

{
  "id": "${OWT_ID}",
  "validationOutcomes": [
    {
      "category": "SEPA_VERIFICATION_OF_PAYEE",
      "categoryResult": {
        "match": "OPTED_OUT"
      }
    }
  ]
}

The result is recorded on the OWTOWT (Outgoing Wire Transfer). Outgoing Wire Transfer - a transaction that moves funds from a Weavr managed account to a bank account held at a third-party financial institution. OWTs require the managed account to have an assigned IBAN and the user to complete Strong Customer Authentication. when it's processed, so it doesn't change if the corporate later opts back in.

Read the current setting

Call GET/corporates/settings with a logged-in corporate user's token.

GET/corporates/settingsOpen API reference →

/corporates/settings

{
  "verificationOfPayee": {
    "bulkPayments": "OPTED_IN"
  }
}

bulkPayments is either OPTED_IN (the default) or OPTED_OUT. Show the current value wherever the corporate's users submit bulk payments, so they always know whether payee names will be checked.

Opt out

A user with the Admin or Funds Management role can opt the corporate out. To opt out:

1. Step up the user's token.
2. Show the user the opt-out disclosure and ask them to confirm. The opt-out must be the user's own action. Don't preselect it.
3. Call PATCH/corporates/settings with bulkPayments set to OPTED_OUT.

PATCH/corporates/settingsOpen API reference →

/corporates/settings

{  "verificationOfPayee": {    "bulkPayments": "OPTED_IN"  }}

{
  "verificationOfPayee": {
    "bulkPayments": "OPTED_OUT"
  }
}

The response returns the updated settings. The opt-out applies from the next OWTOWT (Outgoing Wire Transfer). Outgoing Wire Transfer - a transaction that moves funds from a Weavr managed account to a bank account held at a third-party financial institution. OWTs require the managed account to have an assigned IBAN and the user to complete Strong Customer Authentication. we process, including the remaining OWTsOWT (Outgoing Wire Transfer). Outgoing Wire Transfer - a transaction that moves funds from a Weavr managed account to a bank account held at a third-party financial institution. OWTs require the managed account to have an assigned IBAN and the user to complete Strong Customer Authentication. of a bulk that is already running.

Errors

Status	errorCode	What it means
403	STEP_UP_REQUIRED	The token isn't stepped up. Step it up and try again.
403	INSUFFICIENT_PERMISSIONS	The user doesn't have the Admin or Funds Management role.
409	VOP_BULK_OPT_OUT_NOT_AVAILABLE	The opt-out isn't turned on for your programmeProgrammeA programme represents your application within Weavr. Everything you create - customers, instruments, and transactions - sits beneath a programme. When you register as an Embedder, you receive a programme in the Sandbox and, once approved, one in Live. A programme is not a Workspace: a workspace is your company's account, and it can hold several programmes. yet, usually because your opt-out screen isn't certified.

Opt back in

Opting back in must always be possible, on every channel where you offer the opt-out. Call PATCH/corporates/settings with bulkPayments set to OPTED_IN. Opting back in doesn't need a step-up.

{
  "verificationOfPayee": {
    "bulkPayments": "OPTED_IN"
  }
}

The change applies from the next OWTOWT (Outgoing Wire Transfer). Outgoing Wire Transfer - a transaction that moves funds from a Weavr managed account to a bank account held at a third-party financial institution. OWTs require the managed account to have an assigned IBAN and the user to complete Strong Customer Authentication. we process. If a bulk is running, its remaining OWTsOWT (Outgoing Wire Transfer). Outgoing Wire Transfer - a transaction that moves funds from a Weavr managed account to a bank account held at a third-party financial institution. OWTs require the managed account to have an assigned IBAN and the user to complete Strong Customer Authentication. go through VoP and wait for confirmation as normal. A paused bulk that's resumed after the change behaves the same way, so a single bulk can contain both opted-out and checked OWTsOWT (Outgoing Wire Transfer). Outgoing Wire Transfer - a transaction that moves funds from a Weavr managed account to a bank account held at a third-party financial institution. OWTs require the managed account to have an assigned IBAN and the user to complete Strong Customer Authentication..

Keep your app in sync

We send the POST/corporates/settings_updated/watch webhook whenever a corporate's settings change. A request that leaves the setting unchanged doesn't send a webhook.

POST/corporates/settings_updated/watchOpen reference →

{
  "corporateId": "${CORPORATE_ID}",
  "verificationOfPayee": {
    "bulkPayments": "OPTED_IN"
  },
  "changedBy": "USER",
  "changedTimestamp": "1786118400000"
}

Field	Description
corporateId	The corporate whose settings changed.
verificationOfPayee.bulkPayments	The new value, OPTED_IN or OPTED_OUT.
changedBy	USER if one of the corporate's users made the change, ADMIN if our team did.
changedTimestamp	When the change happened, as an Epoch timestamp in milliseconds.

Use this webhook to update the setting you show in your app.

View the setting in the Embedder Portal

In the Embedder PortalEmbedder PortalA web-based portal where embedders manage their Weavr account: browse customers and instruments, configure programmes, find API credentials and profile IDs, run Sandbox simulations, and inspect webhook deliveries. Sandbox and Live are separate, with their own credentials and data., open Console > CorporatesCorporates (Corporate Identity). Business entities that can be onboarded as customers on Weavr. Corporate customers represent companies and require Know Your Business (KYB) verification. They can have multiple authorised users and issue cards to card assignees., select a corporate, and open the Settings tab. The tab shows:

• Whether VoP checks are on or off for the corporate's bulk SEPASEPA (Single Euro Payments Area). Single Euro Payments Area - the European scheme that standardises euro-denominated bank transfers across participating countries. EUR managed accounts settle incoming and outgoing wire transfers via SEPA Credit Transfer (SCT) or SEPA Instant; our [Verification of Payee](/transactions/owt/vop/overview) check runs against the IBAN registered with the beneficiary's bank or PSP before a SEPA payment executes. payments.
• The history of changes, newest first: who made each change, when, and our reason whenever our team opted the corporate back in.

The tab is read-only. You can't opt a corporate out or back in from the portal. Only the corporate's users can make those changes, through your app.

Opt-out disclosure

The SEPASEPA (Single Euro Payments Area). Single Euro Payments Area - the European scheme that standardises euro-denominated bank transfers across participating countries. EUR managed accounts settle incoming and outgoing wire transfers via SEPA Credit Transfer (SCT) or SEPA Instant; our [Verification of Payee](/transactions/owt/vop/overview) check runs against the IBAN registered with the beneficiary's bank or PSP before a SEPA payment executes. Regulation requires the corporate to be told the risk at the moment it opts out. Your opt-out screen must show a disclosure that explains:

• Payee names won't be checked on any payments the corporate submits in bulk until it opts back in.
• If an IBANIBAN (International Bank Account Number). International Bank Account Number - a standardized international bank account identifier. Managed accounts can be assigned an IBAN to enable wire transfers to and from bank accounts outside of Weavr. IBANs are required for EUR accounts and enable SEPA transfers. in a bulk is incorrect, funds may go to an account that doesn't belong to the intended payee.
• If a payment made to the IBANIBAN (International Bank Account Number). International Bank Account Number - a standardized international bank account identifier. Managed accounts can be assigned an IBAN to enable wire transfers to and from bank accounts outside of Weavr. IBANs are required for EUR accounts and enable SEPA transfers. the corporate provided reaches the wrong recipient, recovery of funds can't be guaranteed.
• The corporate can turn payee name checks back on at any time.

For example:

If you turn off payee name checks, they won't be carried out on any payments you submit in bulk until you turn them back on. If an IBANIBAN (International Bank Account Number). International Bank Account Number - a standardized international bank account identifier. Managed accounts can be assigned an IBAN to enable wire transfers to and from bank accounts outside of Weavr. IBANs are required for EUR accounts and enable SEPA transfers. in a bulk is incorrect, funds may be sent to an account that doesn't belong to the payee you intended. Where a payment is made to the IBANIBAN (International Bank Account Number). International Bank Account Number - a standardized international bank account identifier. Managed accounts can be assigned an IBAN to enable wire transfers to and from bank accounts outside of Weavr. IBANs are required for EUR accounts and enable SEPA transfers. you provided, but reaches the wrong recipient, recovery of funds can't be guaranteed. You can turn payee name checks back on at any time.

Certification

Before we turn the opt-out on for your programmeProgrammeA programme represents your application within Weavr. Everything you create - customers, instruments, and transactions - sits beneath a programme. When you register as an Embedder, you receive a programme in the Sandbox and, once approved, one in Live. A programme is not a Workspace: a workspace is your company's account, and it can hold several programmes., we certify your opt-out screen alongside your VoP result screens. We check that:

• The disclosure is shown on the screen only when the user is stepped up, and isn't hidden behind a link.
• The user starts the opt-out themselves, and it isn't preselected.
• The current setting is visible wherever the corporate's users submit bulk payments.
• An opt-in control is always available, on every channel where you offer the opt-out.

Contact our support team to start certification. Until we turn the opt-out on, opt-out requests return a 409 with VOP_BULK_OPT_OUT_NOT_AVAILABLE. Opting back in always works.

Related pages

• Verification of Payee overview
• The bulk process
• Step-up authentication
• Authorized user roles