Verification of Payee, delivered by RoxPay
RoxPay runs Verification of Payee inside its payments platform: a real-time IBAN/name check on the SEPA VoP scheme, available through one API and a dashboard — and already part of its SEPA Direct Debit flow.
Payee verification, part of a full payments platform
RoxPay is a European payments platform — an online payment gateway, Android POS and an Open Banking gateway (PIS payment initiation and AIS account information) — and Verification of Payee is one of its Open Banking services. You can learn more about the wider platform at roxpay.eu.
Within RoxPay's SwiftLine / RoxBusiness product, VoP sits alongside basic and detailed IBAN validation as the "IBAN trio": format and bank checks, plus the real name-vs-account check that only the payee's bank can answer.
It is delivered over established European open-banking infrastructure and the SEPA VoP scheme, so a single connection to RoxPay gives banks, PSPs and businesses reach across SEPA without integrating each responding bank themselves.
Two ways to use RoxPay VoP
Use it from a screen or from your stack — the same verification underneath.
- 1
Dashboard checks
Run a verification straight from the RoxBusiness banking dashboard — name and IBAN in, a clear result back, no code required.
- 2
REST API
Call the authenticated verify endpoint to embed VoP in your own channels, with standardised outcomes and the responding BIC.
- 3
Inside SEPA Direct Debit
RoxPay uses VoP as a mandatory pre-check before a SDD mandate signing link is issued, so debtor details are verified up front.
- 4
Pay per verification
No scheme to build and maintain — you pay per check, with contract pricing for higher volumes.
The same four answers, on RoxPay
RoxPay returns the standard SEPA VoP outcomes, with scheme codes and the responding bank BIC.
Match
Name matches the account holder. Response includes the responding BIC and processing time.
Close match
Almost right — the verified owner name is returned so the payer can confirm or correct.
No match
Name does not belong to the IBAN — a clear stop signal before money moves.
Not applicable
VoP not available for this IBAN right now; the user decides whether to proceed.
RoxPay VoP vs. going it alone
What a single platform gives you over assembling payee verification yourself.
On your own
- SEPA reach Integrate per bank
- Access API only
- SEPA Direct Debit Separate pre-check to build
- Wider payments Another vendor
- Compliance support Self-managed
RoxPay VoP
- SEPA reach One connection, scheme-wide
- Access API + dashboard
- SEPA Direct Debit VoP built into the mandate flow
- Wider payments Same platform as gateway, POS, open banking
- Compliance support Guided onboarding to the deadline
Built for the people who move money
One verification service, tuned to each role.
Banks & PSPs
Meet the Instant Payments Regulation and offer payee verification to account holders, on the SEPA VoP scheme.
Businesses & treasuries
Validate supplier and payroll IBANs before paying — from the dashboard or in bulk via the API.
Platforms & fintechs
Add VoP next to gateway, POS and open-banking services on one RoxPay integration.
RoxPay VoP, answered
What teams ask before they onboard.
Yes. RoxPay's VoP uses the SEPA Verification of Payee scheme and returns standardised outcomes (match, close match, no match, not applicable) with the responding bank's BIC.
Two ways: directly from the RoxBusiness banking dashboard for manual checks, and through an authenticated REST API to embed verification in your own products.
Yes. VoP is part of RoxPay's banking services and is already used as a pre-check in the SEPA Direct Debit mandate flow. It sits on the same platform as the gateway, POS and open banking — see roxpay.eu.
You pay per verification, with contract pricing for higher volumes — no scheme infrastructure to build or maintain.
Because the scheme connectivity is already in place, onboarding is measured in weeks. Talk to us to map your path to the relevant compliance deadline.
Verification of Payee runs on the same European Open Banking infrastructure as RoxPay's PIS (payment initiation) and AIS (account information) services. One RoxPay connection gives you payee identity verification alongside open-banking payments, so you confirm who you are paying and then initiate the transfer on a single platform.
A standard gateway just moves money. RoxPay adds Verification of Payee — a real-time check of the beneficiary's identity (name/IBAN) before the payment — on top of its gateway, POS and open-banking services, so fraud prevention and SEPA-wide reach come built in rather than bolted on.
Yes. For sole traders and professionals the check compares the submitted name — or, for legal persons, the VAT number / tax code (Partita IVA / Codice Fiscale) — against the registered account holder, so a trading name that differs from the personal name returns a clear, actionable outcome instead of a silent failure.
Bring Verification of Payee to your team
Talk to us about RoxPay VoP via API or dashboard, and going live before your deadline.