Name and age verification before payment

TrueLayer can screen the name or date of birth of payers before a pay-in settles in your merchant account. If the payer's name provided in the user parameter doesn't match the remitter's account details, or they're under 18, the payment is sent back to the user.

This is an optional feature. If you're interested in enabling pre-settlement verification, please contact us or speak with your integration partner.

Before a payment from the user moves into your account, the money settles in a TrueLayer intermediary account. While in the intermediary account, TrueLayer checks the information associated with the user's bank account.

Because the check takes place while the money is in the TrueLayer intermediary account, there is no risk that a fraudulent payment (or a payment from an underage customer) will touch a bank account that you own. This reduces your liability and removes the need to manually screen and refund payments.

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You can only use automatic payment verification for name or date of birth for each payment, not both.

How to add verification to a payment

Before you can enable verification, you need to contact TrueLayer so it can be enabled for your merchant account. If TrueLayer hasn't enabled verification, adding it to a payment has no effect.

Verification is added for each payment as part of the beneficiary object in the payment creation request. Verification is only available for pay-ins to a merchant account, which have a value of merchant_account for the beneficiary.type object.

This table shows the objects you should complete when you enable verification and their possible values. You should only complete and provide either one of beneficiary.remitter_name or beneficiary.remitter_date_of_birth, as you can only verify based on one criterion for each payment.

In these two example payments, verification is enabled for remitter_name and remitter_date_of_birth. This means that the Payments API checks that:

• The remitter's name matches the one associated with the bank account for the first payment.
• The remitter is over 18 years old for the second payment.

POST /v3/payments HTTP/1.1
Content-Type: application/json
Idempotency-Key: {RANDOM_UUID}
Tl-Signature: {SIGNATURE}
Authorization: Bearer {ACCESS_TOKEN}
Host: api.truelayer-sandbox.com=

{
	"amount_in_minor": 30000,
	"currency": "GBP",
	"payment_method": {
		"provider_selection": {
      "type": "preselected",
      "scheme_selection": {
        "type": "user_selected",
        "allow_remitter_fee": false
      },
			"provider_id": "mock-payments-gb-redirect",
			"remitter": {
				"account_holder_name": "John Sandbridge",
        "account_identifier": {
          "type": "sort_code_account_number",
          "sort_code": "040668",
          "account_number": "00000871"
        }
      }
    },
		"type": "bank_transfer",
		"beneficiary": {
			"type": "merchant_account",
			"verification": {
				"type": "automated"
				"remitter_name": true
				}
			"merchant_account_id": "200552da-13da-43c5-a9ba-04ee1502ac57"
		}
	},
	"user":
    {
        "id": "f61c0ec7-0f83-414e-8e5f-aace86e0ed35",
        "name": "Jonathan Sandbridge",
        "email": "[email protected]",
        "phone": "+447809123456",
        "date_of_birth": "1992-11-28",
        "address":
        {
            "address_line1": "40 Finsbury Square",
            "city": "London",
            "state": "London",
            "zip": "EC2a 1PX",
            "country_code": "GB"
        }
    }
}

POST /v3/payments HTTP/1.1
Content-Type: application/json
Idempotency-Key: {RANDOM_UUID}
Tl-Signature: {SIGNATURE}
Authorization: Bearer {ACCESS_TOKEN}
Host: api.truelayer-sandbox.com=

{
	"amount_in_minor": 30000,
	"currency": "GBP",
	"payment_method": {
		"provider_selection": {
      "type": "preselected",
      "scheme_selection": {
        "type": "user_selected",
        "allow_remitter_fee": false
      },
			"provider_id": "mock-payments-gb-redirect",
			"remitter": {
				"account_holder_name": "John Sandbridge",
        "account_identifier": {
          "type": "sort_code_account_number",
          "sort_code": "040668",
          "account_number": "00000871"
        }
      }
    },
		"type": "bank_transfer",
		"beneficiary": {
			"type": "merchant_account",
			"verification": {
				"type": "automated"
				"remitter_date_of_birth": true
				}
			"merchant_account_id": "200552da-13da-43c5-a9ba-04ee1502ac57"
		}
	},
	"user":
    {
        "id": "f61c0ec7-0f83-414e-8e5f-aace86e0ed35",
        "name": "Jonathan Sandbridge",
        "email": "[email protected]",
        "phone": "+447809123456",
        "date_of_birth": "1992-11-28",
        "address":
        {
            "address_line1": "40 Finsbury Square",
            "city": "London",
            "state": "London",
            "zip": "EC2a 1PX",
            "country_code": "GB"
        }
    }
}

The results of payment verification

Payment verification occurs after the user authorises a payment, and before it reaches your account. This means minimal processing is required by you.

If a payment:

• passes verification, it arrives in your account with the settled status.
• fails verification, it fails with a status of failed and a failure_reason of verification_declined.

Use age-based verification with a Signup+ payment

You can use age-based verification with Signup+. If you want to do this, ensure that you include the signup_plus as a related_product when you create the payment.

Although Signup+ returns a user's date of birth, using age-based verification ensures that payments from users under 18 years old are rejected before they settle in your merchant account.

Test payment verification in sandbox

In order to test payment verification in sandbox, you must contact us so we can enable the feature. In sandbox, you can only test remitter name verification, which should match the sandbox user, John Sandbridge.

Change the strictness of name-based verification

When you use name verification for a payment, we preprocess the account holder name provided from the remitter's bank for consistency. We then apply a name matching algorithm based on the Levenshtein distance. This distance refers to how many single characters you would have to add, change, or remove to transition from one string to another.

You can configure how close a match you want between the name provided and the account holder name from the remitter's bank. Contact us if you want to change the strictness of the name matching algorithm.