Verification of Payee blog & insights
Practical guides and expert analysis on Verification of Payee, the EU Instant Payments Regulation, IBAN/name matching and APP fraud — for banks, PSPs and finance teams. Powered by RoxPay.
Expert analysis & practical guides
Everything you need to understand and adopt Verification of Payee before the regulatory deadlines — from the rulebook to the API, written by payments professionals.
Verification of Payee in Italy: What Banks and PSPs Must Do
Italy is in the euro area, so Verification of Payee became mandatory on 9 October 2025. Here is how the rules apply to Italian banks and PSPs — and what 'verifica del beneficiario' means in practice.
Verification of Payee API Response and Error Codes, Explained
MTCH, CMTC, NMTC, NOAP — and the difference between a 'no match' result and an actual error. A developer's reference for handling Verification of Payee API responses cleanly.
Verification of Payee for Sole Traders and Professionals: Name vs VAT Number
Sole traders and professionals are where VoP gets fiddly: personal name, trading name and VAT number can all differ. Here's how to verify them without triggering false warnings.
Bulk IBAN Verification from Your ERP Before a Payment Run
Mid-size and large companies don't check one IBAN at a time — they release payment files from an ERP. Here's how to batch-verify a whole file with Verification of Payee before you click 'send'.
Verification of Payee vs Confirmation of Payee: What's the Difference?
VoP in the EU and CoP in the UK both check the payee name against the account — but they run on different schemes and rules. Here's how they compare, and why it matters.
RoxPay vs a Plain Open Banking Payment Gateway
A payment gateway moves money. An Open Banking platform does more — including Verification of Payee. Here's how RoxPay compares to a stand-alone gateway, and when the difference matters.
CEO Fraud and Fake Supplier Invoices: How to Stop the IBAN Swap
The most expensive business scams don't hack your systems — they change one IBAN on a real invoice or email. Here's how Verification of Payee exposes the swap before money moves.
Verification of Payee in SEPA Direct Debit Mandates
VoP isn't only for outgoing transfers. Used as a pre-check before a SEPA Direct Debit mandate is signed, it means the mandate starts from verified account data.
Being a Responding PSP in the Verification of Payee Scheme
Most VoP content covers the requesting side — asking 'does this name match this IBAN?'. But compliance often means answering those requests too. Here's what a responding PSP must do.
Open Banking, PIS, AIS and Verification of Payee, Explained
PIS, AIS, VoP — Open Banking has its own alphabet. Here's what each piece does, how they connect, and where Verification of Payee fits on RoxPay's gateway.
Verification of Payee Deadlines: What PSPs Must Do Before 9 October 2025
The Instant Payments Regulation makes Verification of Payee mandatory from 9 October 2025 in the euro area. Here is exactly what payment service providers must deliver, and how to go live in time.
APP Fraud in Europe: How Verification of Payee Cuts Misdirected Transfers
Authorised push payment fraud works because the victim approves the payment. See how a name-vs-IBAN check before authorisation breaks invoice-redirection and impersonation scams.
Verify Supplier IBANs Before You Pay: A Practical Guide for Finance Teams
Invoice-redirection fraud targets accounts payable, not consumers. Here's how to verify supplier and payroll IBANs against the payee name before every payment run.
Integrating the Verification of Payee API: A Developer's Guide
From authentication to handling the four scheme outcomes, here's how to integrate a real-time Verification of Payee API and branch your UI cleanly.
Match, Close Match, No Match: How to Read Verification of Payee Results
Verification of Payee returns one of four standardised answers. Here's what each outcome means and what a payer — or a system — should do with it.
How RoxPay Implements Verification of Payee on the SEPA Scheme
A look inside RoxPay's VoP: the SEPA scheme, the 'IBAN trio' of checks, delivery via API and dashboard, and how it's built into the SEPA Direct Debit flow.
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