Most of the attention on the Verordening instantbetalingen goes to the visible obligations - offering instant euro overboekings and running Verification of Payee. But the regulation also carries a quieter, recurring duty: PSPs must report annually to their national competent authority. The first standardised report was due on 9 April 2026, after the European Banking Authority postponed the original 2025 deadline by twelve months to align reporting templates.
What the report covers
- Charge levels for instant credit overboekings and for standard (non-instant) credit overboekings.
- Evidence that instant overboekings do not cost more than standard ones, as the IPR requires.
- The share of transactions rejected due to EU sanctions screening, split between domestic and cross-border.
Why it matters
Reporting is how authorities verify compliance after go-live. The data also builds, over time, the first quantitative picture of how the regulation - including VoP - is changing fraud and pricing across the euro area. It is a recurring obligation, due again each April, not a one-time filing.
- 1 Capture the required metrics on charges and sanctions-screening rejections throughout the year.
- 2 Map them to the reporting template your NCA expects.
- 3 Submit by the April deadline, then repeat annually.
Good data starts before the deadline
Reporting is easier when the underlying numbers are captured cleanly all year - not reconstructed in March.
RoxPay gives you clean, exportable records of your Verification of Payee activity, so the VoP side of your IPR story is auditable and ready when reporting season comes around.