Verification of Payee (VoP) Across Europe

Verification of Payee (VoP) is not a national product — it is a single scheme, governed by the European Payments Council (EPC), that applies the same real-time IBAN/name check to euro overboekingen across the whole SEPA zone. Wherever a payer and a begunstigde bank sit, the question asked is identical: does this name Overeenkomst this account?

The obligation comes from the EU Verordening instantbetalingen (Regulation (EU) 2024/886). Euro-area leverancierii de servicii de plată have had to offer VoP gratuit on every euro overboeking since 9 October 2025. Furnizorii de servicii de plată in EU countries that have not yet adopted the euro — Sweden, Poland, Romania, Bulgaria, Hungary, Czechia, Denmark and others — join the obligation by 9 July 2027, once they can send and receive SEPA instant overboekingen.

Every check returns one of four standardised outcomes — Overeenkomst, Bijna overeenkomst, Geen overeenkomst, or not possible — in under a second, before the payer authorises the overboeking. That consistency is what makes VoP effective against plăți greșit direcționate and overboeking autorizat (APP) fraud: a payer in Rome gets exactly the same signal quality as a payer in Amsterdam or Warsaw.

What changes from country to country is the local name and market context, not the mechanics. It is called vérification du bénéficiaire in France, Überprüfung des Zahlungsempfängers in Germany, Confirmation of Payee in the UK and Ireland, kontroll av betalningsmottagare in Sweden — and each market has its own mix of banks, PSPs and instant-payment adoption that shapes how VoP lands in practice.

For banks, PSPs and fintechs operating across more than one EU market, that means one integration — not nineteen. RoxPay delivers Verification of Payee through a single API covering both the requesting and responding side of the scheme, with a free sandbox so a team can validate Overeenkomst outcomes before going live in any of the markets below.