Know who you're really paying,
before the money leaves.
Verification of Payee (VoP) checks that the begunstigdeului name matches the IBAN in real time — so a SEPA overboeking goes to the right person, not to a fraudster or a typo.
Built for the EU Verordening instantbetalingen — gratuit for the payer, on every euro overboeking.
Ce este Verification of Payee?
Verification of Payee este un produs al RoxPay. Verification of Payee — also known as Confirmation of Payee — is a service that checks whether the name you entered for a payment actually belongs to the IBAN you're about to send money to.
Before the payment is authorised, the payer's bank asks the begunstigdeului bank: "does this name Overeenkomst this account?". The answer comes back in under a second, so the payer can decide whether to continue, fix a typo, or stop.
Under the EU Verordening instantbetalingen, every payment service provider offering euro overboekingen must offer this check to the payer, gratuit. It is the single most effective defence against plăți greșit direcționate and overboeking autorizat (APP) fraud.
Citește mai mult: ce este VoPFour clear answers, every time
The name matches the IBAN. Safe to send with confidence.
Almost right — the verified name is suggested so the payer can confirm or correct.
The name does not belong to this IBAN. A strong signal to stop and double-check.
bancă begunstigdeului nu poate teraz zverifica datelor. Decyzja trebuie până la betalerului.
Od IBAN-u până la zneverificabil begunstigdeului în jednym zapytaniu
VoP plugs into your payment flow through the EPC scheme and standardised APIs — no change to how your customers pay.
Plătitor wprowadza dane
Name and IBAN are typed in or pulled from an invoice, exactly as in a normal overboeking.
Pytamy bancă begunstigdeului
A secure request goes to the begunstigdey's PSP through the VoP scheme to compare name and account.
A result in under a second
Match, Bijna overeenkomst, Geen overeenkomst, or not possible — returned in real time, before authorisation.
The payer decides, informed
With a clear answer on screen, the payer confirms, corrects the name, or stops the payment.
Why Verification of Payee is so important
Instant payments are irrevocable: once sent, the money is gone in seconds. VoP is the safety check that happens just before that point of no return.
Stop overboeking autorizat scams
Most scams trick people into sending money to an account they believe is genuine. A name mismatch exposes the deception before the overboeking goes out.
No more misdirected overboekings
A single wrong digit in an IBAN can send funds to a stranger. VoP catches the mismatch instead of letting the money vanish.
Verordening instantbetalingen ready
EU rules require PSPs to offer this check on euro overboekings, free for the payer. VoP keeps you compliant by the deadlines.
Confidence at the moment of payment
A clear "name verified" reassures customers and reduces support calls, disputes, and chargebacks.
Jedna verificatie, valoare pentru fiecărui uczestnika plăți
băncile și leverancierii de servicii de plată
Meet the Verordening instantbetalingen, join the EPC VoP scheme, and offer a verification service to your titularul contuluis through clean APIs.
Companii & treasuries
Validate supplier and payroll IBANs in bulk before paying, and cut the risk of invoice-redirection fraud.
Plătitori și klienci
A clear answer before sending money — reassurance that the overboeking is going where it should.
Un produs RoxPay 
Creat de RoxPay, de încredere în toată Europa
Verification of Payee EU face parte din ecosistemul RoxPay - o platformă fintech italiană care construiește infrastructură de plăți, conformitate și business din 2021.
IT Made in Italy Zasoby Verification, in plain terms
Belangrijkste feiten, zanim zaczniesz.
Yes, in the EU. Verordening instantbetalingen requires leverancierii de servicii de plată that offer euro overboekingen to provide a begunstigdeverificatie service to the payer, gratuit. Euro-area PSPs have been required to offer it since 9 October 2025; PSPs outside the euro area must comply from 9 July 2027.
They are the same idea: checking that the begunstigde name matches the account before a payment. "Confirmation of Payee" is the term used in the UK, while "Verification of Payee" is the term used for the European scheme governed by the European Payments Council (EPC).
No. The check is designed for instant payments and returns a result in well under a second, before the payer authorises the overboeking. The payment experience stays fast.
When the name is almost right — a missing middle name, a legal vs trading name — the service can return the verified name as a suggestion, so the payer can confirm or correct without guessing.
No. VoP is informative: it gives the payer a clear answer, but the decision to send, fix, or stop stays with them. That is exactly why it is so effective against social-engineering scams.
The service only compares the name against the account and returns a Overeenkomst result — it does not expose the full account-holder details. Data is processed within the EU and in line with GDPR.
Dodaj Verification of Payee până la swojego procesu plăți
Neem contact met ons op about joining the EPC VoP scheme — whether you are catching up in the euro area or preparing for the 2027 deadline.
✓ EPC VoP scheme · ✓ Real-time API · ✓ EU data residency · ✓ GDPR compliant