SEPA Request to Pay (SRTP) is a framework that lets a begunstigde send a structured request for payment to a payer, who can then accept and pay it from their bank app. It is a powerful alternative to cards and direct debit for everything from e-commerce to recurring bills. But a request to pay raises an obvious question for the payer: is this request really from who it claims to be?
Due niveluri, due compiti
Aiuta separare ce fa ciascun pezzo:
- Request to Pay gestisce la conversazione — chi chiede, cât e entro când.
- La Verification of Payee gestisce l'identità — acest cont appartiene alla parte indicata?
- The overboeking that follows handles the money movement itself.
De ce stan bene insieme
A request to pay that the payer cannot trust is just a more convenient phishing vector. Pairing it with begunstigdeverificatie means the convenience comes with a confirmation step.
- 1 A begunstigde issues a Request to Pay for an invoice or bill.
- 2 Prima care betalerul saldi, un control VoP conferma care il cont de destinazione corrisponda alla parte richiedente.
- 3 The payer accepts with confidence, and the overboeking is initiated.
Wygoda potrzebuje kotwicy zaufania
Più i plăți account-to-account diventano rapidi e fluidi, mai au bisogno de un control de identità alle spalle. La VoP este quell'ancoră pentru Request to Pay.
La Verification of Payee de RoxPay si inserisce naturalmente nei fluxuri Request to Pay, confermando il begunstigde astfel care una richiesta snella nu diventi un facile canale de fraudă.