Kto potrzebuje Zasoby Verification?
Unele organizații sunt obligate legal să ofere Verification of Payee; multe altele beneficiază. Iată cine trebuie să fie conform — și cine ar trebui să adopte VoP.
Required vs recommended
There are two answers to "who needs VoP". The first is regulatory: under the EU Verordening instantbetalingen, leverancierii de servicii de plată offering euro overboekingen must provide a begunstigdeverificatie service. The second is practical: any organisation that sends or receives account-to-account payments reduces fraud by checking the begunstigde name.
Below is who falls into each group, from banks with a hard obligație legală to businesses and platforms that adopt VoP to protect their own payments.
Who needs Zasoby Verification
Bănci și PSP (mandatory)
Euro-area leverancierii de servicii de plată must offer VoP on both the requesting and responding side under the Verordening instantbetalingen.
Payment institutions & EMIs
PIs, e-money institutions and neobanks offering SEPA overboekings fall under the same obligation as banks.
Companii & corporates
Not legally required, but exposed to invoice fraud and payroll diversion — VoP is the most effective control.
Oprogramowanie, ERP și platformy fintech
Accounting, payroll and treasury platforms add VoP to protect every client that pays through them.
Public sector & utilities
Government, councils and utilities sending high volumes of disbursements use VoP to prevent misdirected funds.
Osoby prywatne
Consumers don't run VoP themselves — their bank does it for them automatically before a SEPA overboeking.
Find your path
Tailored starting points by who you are.
If you're a euro-area PSP, the deadline has passed
Euro-area providers have had to offer VoP since 9 October 2025; non-euro EU providers must comply by 9 July 2027. If you're not live yet, that's a compliance gap to close now.
FAQ
Furnizorii de servicii de plată — banks, payment institutions and e-money institutions — that offer euro overboekingen in the EU. Verordening instantbetalingen requires them to provide a begunstigdeverificatie service on both the sending and receiving side.
No. Consumers don't implement VoP themselves. Their bank performs the name check automatically and shows the result before they confirm a SEPA payment.
It isn't a legal requirement for them, but businesses sending supplier, payroll or treasury payments benefit enormously. VoP is the strongest defence against invoice fraud and plăți greșit direcționate.
Within the EU, non-euro PSPs must comply by 9 July 2027. Outside the EU there's no equivalent mandate, though schemes like the UK's Confirmation of Payee serve a similar purpose.
Not sure if VoP applies to you?
Tell RoxPay your role and volumes and we'll confirm your obligations and the fastest route to comply.