Verify

Check a single IBAN against the FNC-RF database before you act on it — for example before executing a payment, onboarding a beneficiary, or releasing funds.

Unlike the VOP Verify (which matches a name against an IBAN), the Sharing Verify answers a different question: "Has this IBAN already been reported as fraudulent by the ecosystem?"

Endpoint

What you send

• iban — the IBAN (or BBAN) to check.
• addToWatchList (optional) — when true, the IBAN is also added to your Watch list so you are notified of any future activity on it.

What you get back

• fncRfCheck — the core result.
  • When the IBAN is not reported, onFncRfList is false and nothing else is returned.
  • When the IBAN is reported, onFncRfList is true and the response includes the linked alert (qualification, fraud category, transaction type, counts of reports / sightings / false positives) and the list of related reports.
• ibanSeen — how many times this IBAN has been checked on Qombo.
• ibanMinAge — date of the oldest check on Qombo, when available.
• whitelistedParty — the organisation name if this IBAN is on a whitelist, otherwise absent.

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Reading the result

onFncRfList: true means the IBAN appears in the shared fraud file. Use the qualification field to understand how strongly it is confirmed (CONFIRMED, PENDING, …) and the reports array to see the underlying contributions.