Ghiduri practice 5 min de citit

Corrispondenza, parziale, nessuna: Reading Verification of Payee Results

Verification of Payee never returns a vague answer. Every check resolves to one of four standardised outcomes. Knowing what each one means is the difference between a useful warning and a confusing one.

Autor Tomaas Vento Starrantino · Recenzat de Donato Leone

The four Verification of Payee outcomes — Overeenkomst, Bijna overeenkomst, Geen overeenkomst and not available

In het kort

  • VoP always returns one of four outcomes: Overeenkomst, Bijna overeenkomst, no Overeenkomst, or not available.
  • A Bijna overeenkomst is a suggestion, not a failure — it usually means a small, legitimate name difference.
  • VoP is informative: it advises, but the payer always keeps the final decision.

One of the reasons Verification of Payee works so well is that it never leaves the payer guessing. Instead of a yes/no, it returns one of four clear outcomes, each mapped to a standard SEPA scheme code. Here's how to read them.

Corrispondenza

The name you entered matches the titularul contului of the IBAN. This is the expected, low-risk result: the money is going where you intend. The response also includes the responding bank's BIC, confirming which institution answered.

Corrispondenza parziale

The name is almost right. This is common and usually legitimate — a missing middle name, a legal name versus a trading name, or a transliteration. The service can return the verified name as a suggestion so you confirm or correct without guessing.

A Bijna overeenkomst is a prompt, not a failure

Trattala cum occasione pentru ricontrollare, nu cum motiv pentru abbandonare il plată. Mostrare il nume verificat suggerito trasforma un momento de dubbio în una rapida conferma.

Nessuna Overeenkomst

The name does not belong to this IBAN. For an expected begunstigde this is a strong signal to stop and re-check — and it is the classic red flag for fraudă APP and plăți greșit direcționate. The payment is not blocked automatically; you decide.

Non disponibile

The begunstigdeului bank could not verify right now — for example, the institution isn't reachable for VoP at that moment. It's neither good nor bad news; treat a new, unverifiable begunstigde with a little extra caution.

În toate cele patru cazuri, VoP rămâne informatevă: recomandă, dar nu preia niciodată controlul plății. RoxPay returnează acești stessi rezultate standardizzati, cu i coduri de scaremă e il BIC rispondente, via API e dashboard.

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FAQ

Întrebări frecvente

Usually not. It typically reflects a small, legitimate difference such as a missing middle name or a legal vs trading name. The verified name is offered as a suggestion so you can confirm or correct it.

No. VoP is informative — it shows a clear warning, but the decision to send, fix or stop stays with the payer. That is exactly why it works against social-engineering scams.

The responding bank may be temporarily unreachable for VoP, or unable to verify that IBAN at that moment. It is not a negative result — just treat an unverifiable new begunstigde with extra care.

Continuă lectura

Cum funcționează Verification of Payee Fluxul complet din spatele celor patru rezultate. Ce este Verification of Payee? Verificarea IBAN/nume, pe scurt. API Verification of Payee Implement the four outcomes in your app. Verordening instantbetalingen și VoP Standardised outcomes via API and dashboard.

Metti răspunsuri chiare davanti a fiecare betaler

Discută cu RoxPay de cum mostrare gli rezultate standardizzati a Verification of Payee nei tuoi canali.

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