feat(payouts): surface vop response - #2074
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Description
Surfaces Deutsche Bank's Verification-of-Payee (VoP) outcome on the payout eligibility response, so the caller can tell why a payee was refused and can reconcile the check afterwards.
Motivation and Context
A VoP refusal was previously indistinguishable from any other ineligible payee, the caller got a status and nothing else, so a merchant could not be told whether the IBAN failed to match the payee name, or the payee simply could not be checked.
NMTCandNOAPnow carry the verdict and Deutsche Bank's own explanation.Additional Changes
How did you test it?
Payout Create Response:
Payouts that result in VOP MTCH/CMTC result in additional info being surfaced to merchant in
metadatawhilst if it's a NMTC/NOAP,error_codeanderror_messagefields are populated.Create Payout Response (CMTC case):
{ "payout_id": "payout_dcTH1SFAsaRkixQitBss", "merchant_id": "merchant_1786014217", "merchant_order_reference_id": null, "amount": 101, "currency": "EUR", "connector": "deutschebank", "payout_type": "bank", "payout_method_data": { "bank": { "iban": "DE945************80002", "bank_name": "Deutsche Bank", "bank_country_code": "DE", "bank_city": null, "bic": "DEU*****237", "account_holder_name": "John Doe" } }, "source_bank_data": { "iban": "DE991************89001", "bank_name": null, "bank_country_code": null, "bank_city": null, "bic": "DEU*****237", "account_holder_name": "ABC Inc." }, "billing": { "address": { "city": "Frankfurt", "country": "DE", "line1": "Taunusanlage 12", "line2": null, "line3": null, "zip": "60325", "state": "HE", "first_name": "John", "last_name": "Doe", "origin_zip": null }, "phone": null, "email": null }, "auto_fulfill": true, "customer_id": "payout_customer121", "customer": { "id": "payout_customer121", "name": "John Doe", "email": "payout_customer@example.com", "phone": "999999999", "phone_country_code": "+49", "customer_document_details": null }, "client_secret": "payout_payout_dcTH1SFAsaRkixQitBss_secret_hZxcgLlpCZkJ9h1T8oRd", "return_url": null, "business_country": null, "business_label": null, "description": "any-purpose", "billing_descriptor": null, "entity_type": "Individual", "recurring": false, "metadata": { "vop_status": "CMTC", "additional_info": "The IBAN almost matches the name of the payee. This is the name of the account holder that belongs to the IBAN: CRON HOLDING GMBH. If you authorize the order anyway, this may result in the money being transferred to a payment account whose owner is not the payee you specified.", "eligibility_reference_id": "65992296-71d9-58fa-bc79-3f159e4a33bf" }, "merchant_connector_id": "mca_l9oDd6NGEAsvyptN4H3C", "status": "pending", "error_message": null, "error_code": null, "profile_id": "pro_jaLf7s7GauSiowdxrCEY", "created": "2026-08-06T22:38:26.592Z", "connector_transaction_id": "4EA1FDCFE05957C8BBEBCFF7D98B1BD6", "priority": null, "payout_link": null, "email": "payout_customer@example.com", "name": "John Doe", "phone": "999999999", "phone_country_code": "+49", "unified_code": null, "unified_message": null, "payout_method_id": null }Get Payout Response (NMTC case)
{ "payout_id": "payout_7AKlp8jmxZtCHm6iGuQX", "merchant_id": "merchant_1786014217", "merchant_order_reference_id": null, "amount": 101, "currency": "EUR", "connector": "deutschebank", "payout_type": "bank", "payout_method_data": { "bank": { "iban": "DE945************80002", "bank_name": "Deutsche Bank", "bank_country_code": "DE", "bank_city": null, "bic": "DEU*****237", "account_holder_name": "John Doe" } }, "source_bank_data": { "iban": "DE712************40602", "bank_name": null, "bank_country_code": null, "bank_city": null, "bic": "DEU*****237", "account_holder_name": "ABC Inc." }, "billing": { "address": { "city": "Frankfurt", "country": "DE", "line1": "Taunusanlage 12", "line2": null, "line3": null, "zip": "60325", "state": "HE", "first_name": "John", "last_name": "Doe", "origin_zip": null }, "phone": null, "email": null }, "auto_fulfill": true, "customer_id": "payout_customer121", "customer": { "id": "payout_customer121", "name": "John Doe", "email": "payout_customer@example.com", "phone": "999999999", "phone_country_code": "+49", "customer_document_details": null }, "client_secret": "payout_payout_7AKlp8jmxZtCHm6iGuQX_secret_tFD6wiKLSsMdG8x2xnXR", "return_url": null, "business_country": null, "business_label": null, "description": "any-purpose", "billing_descriptor": null, "entity_type": "Individual", "recurring": false, "metadata": { "eligibility_reference_id": "29d8b78b-eb88-5f4b-b126-9bdf42b4b921" }, "merchant_connector_id": "mca_l9oDd6NGEAsvyptN4H3C", "status": "not_permitted", "error_message": "The IBAN does not match the name of the payee. If you authorize the order anyway, this may result in the money being transferred to a payment account whose owner is not the payee you specified.", "error_code": "NMTC", "profile_id": "pro_jaLf7s7GauSiowdxrCEY", "created": "2026-08-06T22:41:41.695Z", "connector_transaction_id": null, "priority": null, "payout_link": null, "email": "payout_customer@example.com", "name": "John Doe", "phone": "999999999", "phone_country_code": "+49", "unified_code": null, "unified_message": null, "payout_method_id": null }