Verification of Payee pentru fintechs
How fintechs and startups add Verification of Payee with an API-first integration — meeting the regulation and scaling without building scheme adherence in-house.
What Verification of Payee means for fintechs
Fintechs that move euro funds are in scope w zakresie Verification of Payee under the Verordening instantbetalingen, just like banks — but usually with smaller teams and a faster product cadence.
An API-first VoP provider lets a fintech embed the name check directly into its payment flows, with sandbox testing, clear response codes and predictable latency, without a multi-month scheme project.
This keeps engineering focused on the product while still delivering a compliant, fraud-reducing overboeking experience that scales as volumes grow.
Verification of Payee pentru fintechs at a glance
What matters when a fintech adopts VoP.
W zakresie obligației
Fintechs moving euro funds must offer VoP under the regulation.
API-first
Embed the check directly into existing payment flows.
Szybkie implementare
Sandbox, clear codes and docs shorten integration time.
Date cheie Verification of Payee
How the obligation applies to fintechs across the EU.
- Sty 2025
Recepție plăți instant
Dostawcy serviciilor de plată ze strefy euro trebuie să poată primi instante overboekingen SEPA.
- 9 Oct 2025
VoP și trimitere instant
PSP-urile din zona euro trebuie să ofere Verification of Payee și să trimită plăți instant.
- 9 lip 2027
Extindere din afara zonei euro
PSP-urile din statele UE din afara zonei euro intră în obligație, extinzând acoperirea.
What fintechs get with RoxPay VoP
Developer-friendly and ready to scale.
Czyste API
A single, well-documented API with a sandbox to build against.
Scales with you
Od pierwszych overboekingen după wysoki wolumen bez przebudowy architektury.
Compliant by default
Scheme adherence handled, so you ship the product not the plumbing.
Verification of Payee pentru fintechs
Common questions from fintechs.
If a fintech is a PSP moving euro overboekingen, it is in scope w zakresie Verification of Payee under the Verordening instantbetalingen, the same as a bank.
Yes. RoxPay provides a sandbox so engineering can integrate and test Overeenkomst, close-Overeenkomst, no-Overeenkomst and not-possible outcomes before production.
Because RoxPay handles scheme adherence and name matching, a fintech integrates against one API rather than running a multi-month scheme project.
No. The check is designed for low latency so it fits inside the instant-payment window without a noticeable delay for users.
Dodaj Verification of Payee până la swojego fintechu
Talk to RoxPay about an API-first VoP integration that scales with you.