What is VOP?

Verification of Payee (VOP) is part of the European Union's Instant Payments Regulation (Regulation (EU) 2024/886) designed to prevent payment errors and fraud by enabling payment service providers (PSPs) to check if the payee's name matches their account details before a payment is made. This helps protect customers from accidental errors and fraud by verifying the payee's information.

How does VOP work?

When asked by its end user (the requester), the PSP holding the end user's account (the requesting PSP) sends a VOP request to the the PSP holding the payee's account (the responding PSP).

This verification can be based on:

Identification code / IBAN for legal persons
Name / IBAN for legal and natural persons

When receiving a request, the responding PSP must compare the payee's name in the request with the payee's name in its records and respond with one of the following 4 results.

Result	Description
Match (`match`)	Payee's name matches
No match (`no_match`)	Payee's name does not match
Close match (`close_match`)	Payee's name is a close match
Impossible to match (`impossible_to_match`)	Responding PSP did not manage to match data

Onboarding and setup

Mambu Payments will assist you in the VOP scheme onboarding process and VOP solution setup, including:

Registering you with the EPC on the VOP scheme if needed
Storing your QWAC PSD2 for PSP mutual authorisation
Configuring and communicating your URI that other PSPs will request, along with your supported LEIs
Supporting you in your integration of Mambu Payments, depending on the integration method of your choice
Performing penny tests to validate your integration with Mambu Payments and VOP compliance

Once completed, you will be ready to send and receive VOP requests.