Verification of Payee for PSPs
How payment service providers join the SEPA Verification of Payee scheme — as requesting and responding PSPs — and go live fast with one RoxPay integration.
What Verification of Payee means for PSPs
The Instant Payments Regulation puts every euro-area PSP in scope for Verification of Payee. PSPs must offer the check to their own customers and answer requests about accounts they hold.
For many PSPs the challenge is time-to-market: joining the scheme, building reliable name matching and operating both directions while keeping latency low. RoxPay provides this as a managed integration.
Done well, VoP becomes a differentiator — a smoother, safer transfer experience that reduces misdirected payments and fraud while satisfying the regulator.
Verification of Payee for PSPs at a glance
What matters when a PSP adopts VoP.
In scope
Euro-area PSPs must offer VoP under the Instant Payments Regulation.
Both roles
PSPs act as requesting and responding parties in the scheme.
Time-to-market
A managed integration removes the build-and-adhere burden.
Key Verification of Payee dates
How the obligation applies to PSPs across the EU.
- Jan 2025
Instant payments receiving
Euro-area PSPs must be able to receive SEPA instant credit transfers.
- 9 Oct 2025
VoP & instant sending
Euro-area PSPs must offer Verification of Payee and send instant payments.
- 9 Jul 2027
Non-euro extension
Non-euro-area EU PSPs join the obligation, widening coverage further.
What PSPs get with RoxPay VoP
Scheme-ready, both directions, fast.
One API
Requesting and responding VoP through a single, documented API.
Built for scale
Throughput and latency that hold up under instant-payment volumes.
Operational support
Monitoring, SLAs and help when the scheme evolves.
Verification of Payee for PSPs
Common questions from PSPs.
Yes. Every euro-area payment service provider offering euro credit transfers must provide Verification of Payee under the Instant Payments Regulation.
A responding PSP answers a VoP request about an account it holds, returning whether the supplied name matches. RoxPay handles both the requesting and responding sides.
With a managed provider like RoxPay, a PSP integrates against one API and joins the scheme without building name-matching and adherence in-house, shortening time-to-market.
Yes. The check can be surfaced inside the PSP's own flows so the experience stays on-brand for its customers.
Add Verification of Payee as a PSP
Talk to RoxPay about joining the SEPA VoP scheme through one integration.