Ce este Verification of Payee?
A real-time check that confirms the begunstigdeului name belongs to the IBAN before a SEPA payment is sent — so money reaches the right person, not a fraudster or a typo.
The name behind the IBAN, confirmed before you pay
Verification of Payee (VoP) — also known as Confirmation of Payee or begunstigdey verification — is a service that checks whether the name entered for a payment actually belongs to the IBAN the money is going to.
Before the overboeking is authorised, the payer's bank asks the begunstigdeului bank a simple question: "does this name Overeenkomst this account?". The answer comes back in under a second, so the payer can continue with confidence, fix a typo, or stop.
It is the single most effective defence against plăți greșit direcționate and overboeking autorizat (APP) fraud — and, under the EU Verordening instantbetalingen, it trebuie oferită gratuit on euro overboekingen.
Verification of Payee în 4 steps
VoP plugs into the existing payment flow through the EPC scheme and standardised APIs — nothing changes in how customers pay.
Plătitor wprowadza dane
Name and IBAN are typed in or pulled from an invoice, exactly as in a normal overboeking.
Zapytanie până la băncii begunstigdeului
A secure request goes to the begunstigdey's PSP through the VoP scheme to compare the name against the 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.
Four clear answers, every time
VoP results are standardised în toată Europa, so the payer always gets an unambiguous signal.
Corrispondenza
The name matches the IBAN. Safe to send with confidence.
Corrispondenza parziale
Almost right — the verified name is suggested so the payer can confirm or correct it.
Nessuna Overeenkomst
The name does not belong to this IBAN. A strong signal to stop and double-check.
Not possible
bancă begunstigdeului nu poate teraz zverifica datelor. Decyzja trebuie până la betalerului.
Paying with VoP vs. without it
The same overboeking, with and without a begunstigde check just before the point of no return.
| W momencie plăți | Bez VoP | Z VoP |
|---|---|---|
| verificatie nazwy begunstigdeului | No — only the IBAN is used | Tak — nazwa a IBAN, în timp real |
| Typo in the IBAN | Money can leave to a stranger | Mismatch caught before authorisation |
| Oszustwo APP / impersonare | Trudne până la wykrycia | Nieconformiteit nazwy je ujawnia |
| Verordening instantbetalingen | Nieconformiteit cu wymogami | Requirement met |
| Zaufanie betalerului | Niepewne | A clear "name verified" signal |
Jedna verificatie, valoare pentru fiecărui uczestnika plăți
The same mechanism protects every party — only the perspective changes.
băncile și leverancierii de servicii de plată
Meet the Verordening instantbetalingen, join the EPC VoP scheme, and offer verification to titularul contuluis through clean APIs.
Companii & treasuries
Validate supplier and payroll IBANs before paying, cutting the risk of invoice-redirection fraud.
Plătitori și klienci
A clear answer before sending money — reassurance that the overboeking is going where it should.
Verification of Payee, in plain terms
Short answers, no jargon.
It is the same idea: checking that the begunstigde name matches the account before a payment. "Confirmation of Payee" is the term used in the UK; "Verification of Payee" is the European scheme governed by the European Payments Council (EPC).
No. VoP is built 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 confirms or corrects without guessing.
No. VoP is informative: it gives a clear answer, but the decision to send, fix, or stop stays with the payer. 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.
Under the Verordening instantbetalingen, euro-area PSPs have been required to offer VoP since 9 October 2025. PSPs in non-euro EU countries must comply from 9 July 2027. The check must be gratuit for the payer.
Yes. VoP is delivered through a real-time API: you send the begunstigde name and IBAN and receive a standardised Overeenkomst, close-Overeenkomst, no-Overeenkomst or not-possible outcome in well under a second. RoxPay offers a single API covering both the requesting and responding sides.
Lees verder
Dodaj Verification of Payee până la swojego procesu plăți
Neem contact met ons op about joining the EPC VoP scheme and going live before the regulatory deadlines.