Verification of Payee: regulation & compliance
Everything on the rules behind Verification of Payee — the EU Instant Payments Regulation, deadlines, scheme requirements and how VoP fits the wider payments regulatory picture.
10 articles in this topic
Verification of Payee and the EPC Scheme Rulebook
VoP works because PSPs follow a shared EPC rulebook. Understanding what the scheme defines — roles, messages and timing — clarifies what joining actually involves.
Verification of Payee and PSD2 Strong Customer Authentication
SCA proves it is really you initiating a payment; Verification of Payee proves the money is going to the right account. They are complementary, not interchangeable.
Verification of Payee and SEPA Request to Pay
SEPA Request to Pay lets a payee ask to be paid; Verification of Payee confirms who they are. Together they make account-to-account requests both convenient and trustworthy.
Verification of Payee, Liability and Refunds under the IPR
The Instant Payments Regulation does not just mandate Verification of Payee — it links the check to who bears the loss when a payment goes to the wrong account. Here is how liability shifts.
Verification of Payee for Non-Euro-Area PSPs: The 2027 Deadline
Not in the euro area? You still have a Verification of Payee obligation — just a later deadline of 9 July 2027. Here's who's in scope and why waiting is risky.
Verification of Payee, PSD3 and the Future of EU Payment Security
VoP is the first wave of a bigger shift. Here's how it fits alongside PSD3 and the Payment Services Regulation, and where EU payment security is heading.
Verification of Payee and GDPR: Data Protection in the Name Check
VoP processes names and IBANs — personal data. Here's how the check fits GDPR: lawful basis, data minimisation, retention and EU data residency.
SEPA Instant Credit Transfer (SCT Inst) and Why VoP Matters
SCT Inst settles a euro transfer in seconds, around the clock — and irrevocably. That speed is exactly why Verification of Payee is no longer optional.
Verification of Payee in Italy: What Banks and PSPs Must Do
Italy is in the euro area, so Verification of Payee became mandatory on 9 October 2025. Here is how the rules apply to Italian banks and PSPs — and what 'verifica del beneficiario' means in practice.
Verification of Payee Deadlines for PSPs: Before 9 October 2025
The Instant Payments Regulation makes Verification of Payee mandatory from 9 October 2025 in the euro area. Here is exactly what payment service providers must deliver, and how to go live in time.
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