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The Global Standard for Payment & Payee Verification
The MonitorPay API helps you verify bank accounts, payee identities, account ownership, and VAT numbers — instantly and at scale. Whether you're onboarding customers, paying vendors, or preventing fraud, we make every transaction verifiable.
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Trusted by 289,000+ businesses
What the API Can Do
One API. Multiple Layers of Verification.
IBAN Validation
Instantly confirm structure, format, country, and issuing bank for any IBAN worldwide.
Payee Name Matching
Ensure that the entered name matches the legal account holder — reduce errors, block fraud.
Account Ownership Verification
Confirm who owns a bank account — sourced directly from government or banking registries.
VAT Number Check
Validate VAT numbers in the EU, UK, and beyond — with official company name and status.
Transaction Monitoring
Set rules, track accounts, detect ownership changes, and get alerts before the money moves.
Why Leading Teams Choose MonitorPay
The ultimate infrastructure for global entity verification. MonitorPay connects your team directly to primary source data, providing enriched insights through a single, seamless integration. From initial onboarding to ongoing monitoring, we ensure your business stays ahead of regulatory changes automatically.
Real-time results in <1 second
Coverage in 150+ countries
Enterprise-grade reliability and uptime
High-accuracy name matching & ownership logic
No manual checks. No spreadsheets. Just verified data.
Built for Developers
Ensure every transaction is backed by verified identity data. MonitorPay uses advanced cross-referencing algorithms to compare your payment instructions against live banking records. By verifying the relationship between the payee name and the account holder in real-time, we provide the certainty you need to prevent fraud and eliminate misdirected payments.
1
%
of integrations
Standardized JSON responses
1
%
of verification calls
Clear status codes & detailed verification metadata
1
%
RESTful
Clean, RESTful architecture
1
M+
Scales to 10M+ checks per day
Audit-ready logs for each verification call
- Easy to integrate
- Instant access after onboarding
- Scales with your product and compliance stack
Ready to Unlock the Power of MonitorPay?
See our platform in action and explore how it can benefit your business.
Use Cases by Function
Take full control of your payment lifecycle with a suite of tools designed for precision. MonitorPay empowers your team to move from manual checks to automated certainty, providing a unified platform to validate account data, match identities, and verify ownership in real-time before any funds leave your organization.
Finance & treasury teams
Prevent costly payment errors by validating beneficiary accounts before funds are released.
Vendor onboarding
Ensure clean payment data is collected from suppliers from day one.
Freelancer and platform payouts
Validate payee information across multiple markets in real time.
Procurement & shared service centers
Standardize account verification across global teams.
Enterprise-Grade Security & Compliance
Trust begins with high-quality data. MonitorPay aggregates real-time information from a diverse network of primary sources to ensure the highest level of accuracy for every check. By combining official government records with direct banking connectivity, we provide a robust verification layer that meets the strictest compliance and security standards.
GDPR compliant
no data stored beyond verification
PSD2-ready
aligned with European payment standards
ISO 27001-aligned
secure-by-design infrastructure
Audit logs & usage analytics
for compliance teams
Unified Verification Snapshot
One response, all key checks — IBAN validity, payee match, ownership, and VAT status — returned in real time.
Designed for scale and accuracy, our API delivers sub-second responses across 150+ countries, helping finance and compliance teams move faster with confidence.
The Numbers That Matter
match accuracy across verified accounts
1
%
avg response time
<
0
s
avg response time
0
+
Millions
of verifications processed monthly
Globally
Used by finance, fintech, and risk teams worldwide
Ready to Unlock the Power of MonitorPay?
See our platform in action and explore how it can benefit your business.
Trusted by Leaders in Finance & Global Commerce
See why teams at FinTechs, Marketplaces, and global corporations rely on MonitorPay.ai.
"Integrating MonitorPay.ai was a game-changer. We've cut payment failures by over 90%, reducing costs and improving customer satisfaction. The data's reliability is second to none."
Sarah Chen
Head of Payments, NovaPay
"MonitorPay's Account Ownership Verification is the final layer of assurance we need before dispatching large B2B payments. Confirming ownership against official records gives my team confidence."
David Miller
Global Treasury Manager
"Onboarding thousands of sellers was a compliance bottleneck. MonitorPay's API automated our entire verification process. We now onboard faster, with greater confidence and a full audit trail."
Markus Weber
CCO, EuroTrade Market
"We needed a robust verification tool for our merchants. MonitorPay's API was simple to integrate, and their direct data access gives us a huge quality advantage. We launched a critical feature in weeks, not years."
Elena Ricci
Lead Product Manager
Start Verifying – First 100 Checks Free
Experience the full power of the MonitorPay API with:
100 free verifications to get started
Pricing starts at just €0.10 per check
No monthly minimums — only pay for what you use
Volume discounts available — lower rates as your usage grows
Billed monthly based on actual usage
Deploy instantly with a clean REST API, full audit logs, and enterprise-grade compliance.
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Moventa Logistics
Moventa Logistics operates a network of over 4,000 carriers and subcontractors across Europe. From small independent freight operators to large cross-border transport providers, their operations depend on accurate and timely payments to ensure smooth service delivery.
Start your business journey better with MonitorPay
Schedule a 30 minute call to discuss your priorities and long term goals.
Frequently asked questions
We verify IBAN structure, payee name matching, account ownership (individual or business), VAT registration status, and — for enterprise clients — ongoing monitoring of previously verified data.
MonitorPay supports IBAN and VAT verification across 150+ countries, including all of Europe, the UK, Canada, Australia, Brazil, India, and more. Country-specific availability may vary by product (e.g., ownership verification coverage depends on data access in that region).
Our payee matching uses intelligent logic, including fuzzy matching, transliteration support, and confidence scoring. It reliably detects exact, partial, and incorrect matches — even in edge cases like swapped name order or minor typos.
Yes. Our Account Ownership Verification feature confirms the legal owner of a bank account (person or business), sourced directly from trusted banks or official registries. This is ideal for KYB and large transfers.
Yes, we offer Account Status Checks for selected countries. This feature confirms whether an account is currently open, dormant, or closed — helping you avoid failed payouts.
Absolutely. We are fully GDPR compliant. We do not store personal or sensitive data beyond what’s necessary to complete a verification, and all requests are logged securely for audit purposes.
Yes. Our REST API is designed for real-time use, with sub-second response times and minimal latency. It’s used in live onboarding flows, payout engines, and payment approval systems.
Each verification returns structured JSON data, including validation status, match scores, metadata (like bank name or VAT holder name), and actionable risk indicators. Full schema is available in the [API docs].
Yes. Every client has access to a secure MonitorPay Dashboard, where you can track API usage, manage keys, export logs, and review verification outcomes.
Yes. We offer a bulk validation endpoint that supports verifying thousands of IBANs, payee names, or VAT numbers at once via API or secure file upload.
Most customers integrate the API in under one day. Our docs, SDKs, and dedicated support make it fast and frictionless — even for complex flows.
For enterprise clients, we offer continuous monitoring with webhook alerts. You’ll be notified in real time if a previously verified IBAN or VAT number changes status, becomes inactive, or no longer matches the original entity.