B2B Payment Validation

Verify bank details and tax IDs before your agent processes a payment. IBAN validation, bank identification, and counterparty VAT check.

2 steps x402 eligible payment-validate

What it runs

  1. IBAN Validation

    Source: Algorithmic validation (ISO 13616 IBAN standard + bank registry)

  2. EU VAT Validation

    Source: VIES (EU VAT Information Exchange System, European Commission)

The answer returns every step’s result, so your agent can show or check each one.

Inputs

FieldTypeRequiredWhat it is
ibanstringYes—
vat_numberstringYes—

How to call it

# Needs an API key. The whole check is charged once, at the listed price.
curl -X POST https://api.strale.io/v1/solutions/payment-validate/execute \
  -H "Authorization: Bearer $STRALE_API_KEY" \
  -H 'Content-Type: application/json' \
  -d '{
    "inputs": {
      "iban": "DE89370400440532013000",
      "vat_number": "DE136695976"
    },
    "max_price_cents": 25
  }'

The bundle’s published example input.

Limitations

  • Validates structure and checksum only — does not confirm the account is open or active

    From step: IBAN Validation

    What to do instead: Use a SEPA test transaction (€0.01) or bank account verification API to confirm the account is live before large transfers

  • Covers all SEPA-zone IBANs. Non-SEPA country IBANs validated structurally but bank lookup may be incomplete

    From step: IBAN Validation

    What to do instead: For non-SEPA IBANs, cross-reference the bank code portion against SWIFT's IBAN Plus directory

  • VIES can be unavailable or throttle requests under unpublished per-member-state limits. Transient faults are retried, and cached results, including older fallback results, can be returned during outages.

    From step: EU VAT Validation

    What to do instead: Lookups within 48 hours can use cached results; if VIES is unavailable and no cached result exists, retry later.

  • Results can be cached for 48 hours, and national registry changes can take a further 24 hours to appear in VIES. Check the national tax authority directly for same-day registration or deregistration confirmation.

    From step: EU VAT Validation

    What to do instead: For real-time same-day verification, contact the national tax authority directly.

  • Swiss UID validation returns valid or invalid only, without a company name or address. This tool does not perform the separate enrichment lookup, whose public service is limited to 20 requests per minute.

    From step: EU VAT Validation

    What to do instead: For Swiss company name + address, call the swiss-company-data capability.

  • GB VAT numbers return a credentials-pending error when the HMRC connection is not configured.

    From step: EU VAT Validation

    What to do instead: Use vat-format-validate for GB format checks; it does not confirm VAT registration.