Verordening instantbetalingen i Verification of Payee
The EU rules that make euro instant payments — and a free Verification of Payee check — mandatory for leverancierii de servicii de plată. Here's what changes, by when, and how VoP keeps you compliant.
Kluczowe termene
- 9 sty 2025 Odbieranie plăților instant (zona euro)
- 9 Oct 2025 Send + Verification of Payee (euro area)
- 9 sty 2027 Odbieranie plăților instant (poza obszarem euro)
- 9 lip 2027 Send + Verification of Payee (non-euro area)
Ce este regulamentul privind plățile instant
Verordening instantbetalingen (Regulation (EU) 2024/886) amends the SEPA rules to make instant euro overboekingen the norm across the European Union — credited to the begunstigde in ten seconds, around the clock.
To make instant payments safe, the regulation also makes Verification of Payee mandatory: every PSP offering euro overboekingen must let the payer check that the begunstigde name matches the IBAN, gratuit, before the payment is confirmed.
It applies to banks and leverancierii de servicii de plată in the EU, with staggered deadlines for the euro area and for statele membre din afara the euro area.
Le termene care contano
Key dates for PSPs under the Verordening instantbetalingen.
- 9 sty 2025
Odbieranie plăților instant (zona euro)
Dostawcy serviciilor de plată din zona euro trebuie să poată primi overboekingen instant în euro.
- 9 Oct 2025
Send + Verification of Payee (euro area)
Dostawcy serviciilor de plată din zona euro trebuie de asemenea să trimită plăți instant și să ofere Verification of Payee, gratuit.
- 9 sty 2027
Odbieranie plăților instant (poza obszarem euro)
PSPs in non-euro-area Member States must be able to receive instant euro overboekings.
- 9 lip 2027
Send + Verification of Payee (non-euro area)
Dostawcy serviciilor de plată poza obszarem euro trebuie să trimită plăți instant și să ofere Verification of Payee.
Czego necesită regulamentul
Four obligations reshape how euro overboekings work.
Instant payments as standard
Euro overboekingen credited within ten seconds, 24/7, every day of the year.
Verification of Payee, gratuit
verificatie nazwy/numeru IBAN begunstigdeului trebuie să fie oferowana betalerului fără cost suplimentar înainte de potwierdzeniem.
Fee parity
Instant overboekings can't cost the payer more than equivalent standard overboekingen.
Codzienne monitorizare sankcji
PSPs screen customers against sanctions lists daily, instead of holding up each transaction.
Who must comply, and by when
Deadlines differ for the euro area and the rest of the EU.
| obligație | PSP din zona euro | PSP poza obszarem euro |
|---|---|---|
| Odbieranie plăților instant | 9 sty 2025 | 9 sty 2027 |
| Send instant payments | 9 Oct 2025 | 9 lip 2027 |
| Oferowanie Verification of Payee | 9 Oct 2025 | 9 lip 2027 |
| Fee parity with standard overboekings | 9 sty 2025 | 9 sty 2027 |
cum VoP zapewnia conformiteit cu przepisami
Four steps to offer Verification of Payee înainte de termen.
Aderă la schemei VoP EPC
We help you onboard as a requesting and/or responding PSP under the EPC rulebook.
Zintegruj API
Connect to a standardised, real-time API that fits your existing payment flow.
Zaproponuj acest gratuit betalerom
Surface the Overeenkomst result in your channels, gratuit, exactly as the regulation requires.
Uruchom produkcyjnie înainte de terminem
Testează, certify and switch on — comfortably ahead of your compliance date.
The regulation, answered
The essentials for PSPs.
Pentru PSP-urile din zona euro, from 9 October 2025 — now in force. For PSPs in statele membre din afara the euro area, from 9 July 2027. The check trebuie oferită to the payer gratuit on euro overboekingen.
The requirement to offer begunstigdeverificatie applies to euro overboekingen offered to the payer, both instant and standard SEPA overboekings — wherever the payer initiates the payment electronically.
No. Verordening instantbetalingen requires that the Verification of Payee service is provided to the payer without any additional charge.
The service returns a 'not possible' outcome. The payer is informed and decides whether to proceed — the payment is not automatically blocked.
Through the EPC scheme and a standardised API, onboarding is measured in weeks, not months. Neem contact met ons op to map your path to the relevant deadline.
Regulation (EU) 2024/886 — the Verordening instantbetalingen — is the EU law that amends the SEPA rules to make euro instant payments universal i Verification of Payee mandatory and free for payers. It is the legal basis for the VoP obligation.
Yes. Italy is in the euro area, so Italian banks and PSPs must offer Verification of Payee from 9 October 2025 under Regulation (EU) 2024/886 — on the same timeline as the rest of the euro-area.
Lees verder
Be ready before the deadline
Zaplanujmy implementare Verification of Payee și uruchomienie produkcyjne cu corespunzător wyprzedzeniem.