VoP Batch Match-Rate Analyser

Simulate Verification of Payee (EU IPR, in force October 2025) IBAN-name matching across a synthetic payee batch. Each record is scored with normalised exact matching + Jaro-Winkler fuzzy similarity, then classified as MATCH / CLOSE_MATCH / NO_MATCH. Adjust the match and close-match threshold sliders to explore the false-positive vs false-negative trade-off curve — the core operational decision for PSPs tuning their VoP implementation. Built-in edge cases cover diacritics, name-order reversal, legal-suffix variation, and abbreviations.

AP2 Export Chains: ART-10 · PTG-01 EU IPR Oct 2025 FP/FN Curve Jaro-Winkler · Zero PII

🔒 All matching runs locally. Use synthetic IBAN-like identifiers and fictional names only. No data leaves your browser.

Built-in scenarios & edge-case library

Payee batch — paste or edit JSON

Payee records array

paste or load a scenario

Record schema

            id               string  — unique record ID

            iban             string  — IBAN-format identifier (synthetic)

            account_name     string  — name provided by the payer

            reference_name   string  — bank's registered account name

            account_name vs reference_name is the

            core VoP comparison. Both required.

Generate synthetic batch

Records

Mismatch %

Normalisation preview

Match thresholds & strictness

Strictness preset

Match threshold (MATCH ≥)

0.90

Close-match threshold (CLOSE ≥)

0.75

MATCH → similarity ≥ match threshold → payment proceeds automatically.
CLOSE_MATCH → similarity between close-match and match threshold → PSP must warn the payer before proceeding.
NO_MATCH → similarity below close-match threshold → PSP must block or require manual review.

Match-rate assessment

False-positive / false-negative trade-off curve

False positives (FP) — payees with a wrong name that still score as MATCH (fraud risk: money reaches wrong account).
False negatives (FN) — payees with the correct name that fall below MATCH threshold (friction: legitimate payments blocked or warned).
The current threshold pair is marked with ◆. Drag the sliders above to see the dot move in real time.

False-positive rate (wrong name → MATCH)

False-negative rate (correct name → below MATCH)

Payee match results (0)

ID	IBAN (synthetic)	Provided name	Reference name	Normalised similarity	Outcome