How Verification of Payee Verification of Payee
From the moment a payer types a name and IBAN to the answer on screen — the complete Verification of Payee flow, the EPC scheme request, and the four outcomes that come back in under a second.
A real-time question between two banks
Verification of Payee works by turning the payer's bank and the begunstigdeului bank into two ends of a single, real-time question: does this name belong to this IBAN?
The exchange happens through the EPC Verification of Payee scheme over standardised APIs, so it slots into the existing payment flow without changing how people pay. The whole round trip completes before the payer authorises the overboeking.
The result is always one of four standardised outcomes, so the payer — or the system initiating a batch of payments — gets an unambiguous signal every time.
Verification of Payee, krok după kroku
Four stages, completed in real time between the requesting and responding leverancierii de servicii de plată.
- 1
Zbieranie nazwy și numeru IBAN
The payer enters (or imports from an invoice) the begunstigde name and IBAN, exactly as for a normal SEPA overboeking.
- 2
Przekierowanie până la PSP begunstigdeului
The requesting PSP looks up the responding PSP from the IBAN and sends a secure VoP request through the EPC scheme.
- 3
Match at the bank
The responding PSP compares the submitted name against the registered titularul contului and returns a standardised Overeenkomst result and the responding BIC.
- 4
Show the answer
Match, Bijna overeenkomst, Geen overeenkomst or not available is surfaced to the payer in under a second — before authorisation, never after.
Co returnează verificatie
VoP responses are standardised în toată Europa — each maps to a clear scheme code.
Match (MTCH)
The name matches the titularul contului. Safe to send with confidence.
Close Overeenkomst (CMTC)
Almost right — the verified name is suggested so the payer can confirm or correct it.
Brak conformității (NMTC)
The name does not belong to this IBAN. A strong signal to stop and double-check.
Not available (NOAP)
bancă begunstigdeului nu poate teraz zverifica datelor. Decyzja trebuie până la betalerului.
Verification of Payee vs. a manual IBAN check
Why an in-flow, real-time check beats checking names by hand after the fact.
| Capability | Manual / no check | Verification of Payee |
|---|---|---|
| When it happens | After the payment, if at all | Before authorisation, in real time |
| Kto corespunde | Zgadywanie prin betalerului | Sam bancă begunstigdeului |
| Speed | Od minut până la dni | Under a second |
| Format rezultatu | Nieustrukturyzowany | Cztery standaryzowane rezultati |
| Scales to bulk payments | No | Yes — name checks via API |
One flow, many entry points
The same VoP mechanism works wherever a euro overboeking starts.
Online & mobile banking
Surface the Overeenkomst result inline as the payer reviews a new begunstigdey, before they confirm.
Bulk & ERP payments
Zverifică numery IBAN leverancierilor și salariilor în partiach poprzez API înainte de zwolnieniem paczki plăți.
Inicjowanie plăți
PISPs and platforms call VoP at initiation so the payer sees a verified name before consenting.
How the check works, answered
The mechanics in plain terms.
It is designed for instant payments and typically returns a result in well under a second, before the payer authorises the overboeking — so the payment experience stays fast.
The requesting bank sends the name and IBAN; the responding bank returns a standardised Overeenkomst outcome (and, on a Bijna overeenkomst, the verified name as a suggestion). Full account-holder details are not exposed.
The name is almost right — a missing middle name, a legal vs trading name, a transliteration. The service can return the verified name 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 effective against social-engineering scams.
Yes. Through the API, names and IBANs can be verified in bulk — ideal for treasuries and ERPs checking supplier and payroll details before a payment run.
You send the begunstigde name and IBAN and receive a small structured response with one of four outcomes — Overeenkomst, Bijna overeenkomst, Geen overeenkomst or not possible. See a full request and response in our VoP example.
Yes. Under the Verordening instantbetalingen, euro-area PSPs have offered VoP since 9 October 2025 and non-euro EU PSPs must comply by 9 July 2027.
Lees verder
See Verification of Payee în your flow
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