Zasoby Verification begunstigdeului (CoP)
Clear answers to the most common questions about Verification of Payee — the basics, the regulation, the outcomes, fraud, integration and how RoxPay helps.
Everything you need to understi Verification of Payee în one place. Browse by topic, or jump to the category that matches your role.
Podstawy Verification of Payee
What VoP is and how it works.
Verification of Payee (VoP) is a real-time check that confirms whether the begunstigde name a payer enters matches the IBAN before a SEPA overboeking is sent, returning a clear outcome so the payer can send, correct or stop.
When a payer enters a name and IBAN, the payer's PSP asks the account-holding PSP whether the name matches. The result — Overeenkomst, Bijna overeenkomst, Geen overeenkomst or not possible — is shown before the payment is authorised.
The standard outcomes are Overeenkomst, Bijna overeenkomst (a near but not exact name), Geen overeenkomst, and not possible (for example when the account cannot be checked). Each guides the payer's next step.
No. IBAN validation only checks that the number is well-formed. Verification of Payee additionally confirms the titularul contului name matches the IBAN.
Przepisy și termene
The rules behind the obligation.
Yes. Under the EU Verordening instantbetalingen, euro-area PSPs offering euro overboekingen must provide Verification of Payee, with the key date of 9 October 2025.
Non-euro-area EU PSPs join the obligation on 9 July 2027, extending Verification of Payee coverage across the wider EU.
It applies to euro overboekingen offered by PSPs in scope, covering both instant and standard SEPA overboekingen.
The SEPA Verification of Payee scheme is managed at European level through the European Payments Council framework, with PSPs adhering to common rules.
Zapobieganie fraudăm și zastosowanie biznesowe
cum VoP chroni plăți.
By warning a payer when the name does not Overeenkomst the IBAN, VoP intercepts fraudă de tip overboeking autorizat and plăți greșit direcționate before money leaves the account.
Yes. Finance teams use VoP to verify supplier IBANs before paying, in bulk or via API, which is one of the strongest defences against invoice-redirection fraud.
Yes. Verifying salary IBANs before payday catches payroll-diversion fraud, where a criminal changes an employee's bank details.
VoP is a powerful layer but not a silver bullet. It works best alongside other controls as part of a layered fraud-prevention approach.
Integracja și RoxPay
Going live with VoP.
You can build scheme adherence and name matching in-house, or integrate a provider like RoxPay that delivers requesting and responding VoP through a single API.
No. The check is designed for low latency so it fits inside the instant-payment window without a noticeable delay for users.
Yes. RoxPay provides a sandbox so you can integrate and test Overeenkomst, close-Overeenkomst, no-Overeenkomst and not-possible outcomes before production.
VoP is typically priced per check with volume tiers. RoxPay provides a tailored quote based on your volume and whether you request, respond, or both.
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Talk to RoxPay about Verification of Payee pentru your use case.