Introduction to Verify and Pay

Verify and Pay

Verify and Pay provides you with a set of rules to define restrictions that are validated during the payment process once a user selects an account. By analyzing the selected account's transactions, the system generates a report that provides the necessary data to validate these rules.

You can automatically block payments if the account does not meet the criteria defined by your rules. This enables a payment flow focused on control and pre-validation, giving you deeper insights into the user's financial health while reducing the risk of unreliable transactions.

How it works

1. You create a Widget link - call POST /verify-and-pay with your configuration.
2. The user authenticates - the nrich Widget guides them through bank selection and SCA.
3. You can verify the rules - in case the verification failed, you can check in the failed-rules query parameter which one failed in the process.
4. You can retrieve the risk report - no matter if the validation passed or not, you will be able to retrieve the risk report through the GET /artifacts/{artifact-id}?artifact_type=risk-report endpoint. The artifact-id is retrieved in the redirect under the flow-id key.

Name-matching algorithm

nrich's algorithm handles common name variations automatically:

• Different orderings: "Müller, Maria" vs "Maria Müller" → HIGH
• Umlauts and special characters: "Hans Muller" vs "Hans Müller" → HIGH
• Exact match: "Maria Müller" vs "Maria Müller" → VERY_HIGH
• No overlap: "Maria Müller" vs "Thomas Schmidt" → LOW