Verify payees across Europe
A single connection reaches the EU's payment service providers through the scheme's central directory — so you can verify the names behind IBANs wherever your payments go.
How reachability works
Verification of Payee is a network: a requesting PSP sends a check to the payee's bank (the responding PSP), which compares the name to the account holder and returns a match, close match or no match. Routing relies on the EPC's central Directory Service and a Routing and Verification Mechanism (RVM) that locates the right responding PSP for a given IBAN.
Because RoxPay connects to this shared infrastructure, a single integration lets you reach the PSPs that participate in the scheme — without bilateral connections to each bank.
What determines coverage
Scheme participation
A payee's bank must participate in (or be reachable through) the EPC VoP scheme to return a result.
Regulatory deadlines
Euro-area PSPs since 9 Oct 2025; non-euro EU PSPs by 9 Jul 2027 — coverage broadens as deadlines pass.
Directory routing
The EPC Directory Service + RVM route each request to the correct responding PSP.
Geographic scope
SEPA-wide, with the EU/EEA in scope of the Instant Payments Regulation.
Coverage keeps growing
As non-euro EU states reach their 9 July 2027 deadline, the set of reachable responding PSPs expands. Building on shared scheme infrastructure means you benefit automatically — no new integrations required.
FAQ
Verification of Payee operates SEPA-wide. Euro-area PSPs have offered it since 9 October 2025; non-euro EU member states follow by 9 July 2027. See our VoP Adoption Tracker for the per-country timeline.
No. A single integration with RoxPay reaches participating PSPs through the scheme's central directory and routing mechanism.
The scheme returns a status indicating verification was not possible, so your flow can handle it gracefully rather than blocking the payment outright.
Check coverage for your flows
Tell us where your payments go and we'll confirm reachability.