Poland is a Member State outside the euro area, using the zloty. Under the Instant Payments Regulation, non-euro-area PSPs get more time: they must be able to receive instant euro payments by 9 January 2027, and to send them and offer Verification of Payee by 9 July 2027.
Which payments are in scope
The VoP obligation applies to euro credit transfers, not to domestic zloty payments on rails like Express Elixir. For many Polish banks the immediate scope is their euro-denominated SEPA activity — but that activity is significant for cross-border trade and EU customers.
Later does not mean optional
The 2027 dates give breathing room, but VoP scheme onboarding and UX work still take time. Treating 2027 as a 2026 project keeps it low-risk.
What Polish PSPs should plan
- 1 Map euro credit transfer volumes to understand the scope of the obligation.
- 2 Plan EPC Verification of Payee scheme membership ahead of the 2027 dates.
- 3 Design payer-facing result messaging in Polish.
- 4 Budget for a single SEPA VoP connection rather than per-bank builds.
A connection that is ready when you are
Because Polish PSPs share the SEPA scheme with euro-area peers, the same Verification of Payee infrastructure works when the 2027 deadline arrives. RoxPay provides VoP on the SEPA scheme through one API and dashboard, so Polish banks can onboard on their own timeline.