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Introduction

Welcome to the Apicunia API Documentation.

Our APIs help businesses securely verify payee and beneficiary account details before payments are processed. By validating account ownership and banking information in real time, the platform helps reduce fraud, payment errors, and failed transactions.

The API suite is designed for financial institutions, fintech platforms, payment providers, and businesses that need reliable payee verification workflows integrated directly into their systems.

Apicunia provides regulatory compliance for Financial Institutions and Payment Service Providers (PSPs).

Operating within the European Payments Council’s (EPC) Verification of Payee (VOP) Scheme, Apicunia is a fully EPC Certified Routing and Verification Mechanism (RVM), able to operate as both a VOP Requestor and a VOP Responder.

What You Can Do​

Using the Payee Verification APIs, you can:

  • Verify bank account ownership
  • Confirm beneficiary details before payment execution
  • Reduce authorised push payment (APP) fraud
  • Validate account and routing information
  • Automate compliance and verification workflows
  • Improve payment success rates
  • Integrate verification checks into onboarding or payout systems

Key Features​

Real-Time Verification​

Perform fast account verification checks through secure API endpoints with low-latency responses.

Secure by Design​

All API requests are protected using encrypted transport protocols and authenticated access mechanisms.

Developer Friendly​

The APIs are REST-based, easy to integrate, and provide consistent JSON responses with clear error handling.

Scalable Infrastructure​

Designed to support everything from startup applications to enterprise-grade payment systems.

Authentication​

All API requests require authentication using either OAuth 2.0 or Mutual TLS (mTLS) using a QWAC.