{"id":23511,"date":"2025-09-30T08:46:23","date_gmt":"2025-09-30T06:46:23","guid":{"rendered":"https:\/\/preproduccion.allcms.es\/verification-of-payee-vop-new-european-regulation-for-sepa-payments\/"},"modified":"2025-10-02T16:52:45","modified_gmt":"2025-10-02T14:52:45","slug":"verification-of-payee-vop-new-european-regulation-for-sepa-payments","status":"publish","type":"post","link":"https:\/\/allcms.es\/en\/verification-of-payee-vop-new-european-regulation-for-sepa-payments\/","title":{"rendered":"Verification of Payee (VOP): New European regulation for SEPA payments"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row css_animation=&#8221;&#8221; row_type=&#8221;row&#8221; use_row_as_full_screen_section=&#8221;no&#8221; type=&#8221;grid&#8221; angled_section=&#8221;no&#8221; text_align=&#8221;left&#8221; background_image_as_pattern=&#8221;without_pattern&#8221; z_index=&#8221;&#8221; css=&#8221;.vc_custom_1652260850259{padding-bottom: 34px !important;}&#8221;][vc_column offset=&#8221;vc_col-sm-offset-0&#8243;][vc_column_text css=&#8221;&#8221;]From October 9, 2025, European banks must offer Beneficiary Verification (BV) free of charge for SEPA payments. This system allows beneficiary information to be <strong>verified at the remittance or transaction level<\/strong>, <strong>enhancing security and reducing fraud<\/strong> for SEPA payments and even more so for instant payments, which are irrevocable. In any case, it is an optional procedure. Companies will be able to choose to activate verification for SEPA payments or opt out of using it. <strong>Kyriba will integrate the new VOP Ack (Acknowledgment) into its platform for corporate clients<\/strong>, displaying the result in payment status tracking, thereby ensuring compliance with this new regulation.[\/vc_column_text][vc_empty_space][\/vc_column][\/vc_row][vc_row css_animation=&#8221;&#8221; row_type=&#8221;row&#8221; use_row_as_full_screen_section=&#8221;yes&#8221; type=&#8221;full_width&#8221; angled_section=&#8221;no&#8221; text_align=&#8221;left&#8221; background_image_as_pattern=&#8221;without_pattern&#8221; z_index=&#8221;&#8221; css=&#8221;.vc_custom_1702467660046{margin-bottom: 15px !important;}&#8221;][vc_column][vc_column_text css=&#8221;.vc_custom_1758894724865{padding-bottom: 32px !important;}&#8221;]<\/p>\n<h2><strong>What is Verification of Payee (VOP)?<\/strong><\/h2>\n<p>[\/vc_column_text][vc_row_inner row_type=&#8221;row&#8221; type=&#8221;full_width&#8221; text_align=&#8221;left&#8221; css_animation=&#8221;&#8221;][vc_column_inner][vc_column_text css=&#8221;&#8221;]Beneficiary Verification (BV) is a new <strong>European regulatory requirement for banks<\/strong>, which obliges them to offer a free system that verifies, in SEPA payments, that the beneficiary&#8217;s information is accurate and truthful. This applies to both SEPA payments and instant payments.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row css_animation=&#8221;&#8221; row_type=&#8221;row&#8221; use_row_as_full_screen_section=&#8221;yes&#8221; type=&#8221;full_width&#8221; angled_section=&#8221;no&#8221; text_align=&#8221;left&#8221; background_image_as_pattern=&#8221;without_pattern&#8221; z_index=&#8221;&#8221; css=&#8221;.vc_custom_1684927354729{padding-top: 32px !important;}&#8221;][vc_column][vc_column_text css=&#8221;.vc_custom_1758895206120{padding-bottom: 32px !important;}&#8221;]<\/p>\n<h2 style=\"text-align: justify;\"><strong>Objectif of VOP<\/strong><\/h2>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221;]The main objective is to <strong>increase security and reduce fraud <\/strong>and erroneous payments, especially in instant payments, which are irrevocable.<\/p>\n<ul>\n<li>Mandatory for banks from <strong>October 5, 2025<\/strong>.<\/li>\n<li>It is not mandatory for corporate customers, but if they choose not to use it, they <strong>assume responsibility for the payment<\/strong> as before.<\/li>\n<\/ul>\n<p>is will give treasurers and CFOs an additional layer of confidence in their payment processes.[\/vc_column_text][\/vc_column][\/vc_row][vc_row css_animation=&#8221;&#8221; row_type=&#8221;row&#8221; use_row_as_full_screen_section=&#8221;yes&#8221; type=&#8221;full_width&#8221; angled_section=&#8221;no&#8221; text_align=&#8221;left&#8221; background_image_as_pattern=&#8221;without_pattern&#8221; z_index=&#8221;&#8221; css=&#8221;.vc_custom_1752142048208{padding-top: 50px !important;}&#8221;][vc_column][vc_column_text css=&#8221;.vc_custom_1758895198281{padding-bottom: 32px !important;}&#8221;]<\/p>\n<h2><strong>How does VOP work?<\/strong><\/h2>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221;]The issuing bank requests, via API, that the receiving bank verify the correspondence of the beneficiary information provided. Additional identifiers (TIN, LEI, etc.) may be included, bearing in mind that LEI is set to prevail over any other European means of identification.[\/vc_column_text][\/vc_column][\/vc_row][vc_row css_animation=&#8221;&#8221; row_type=&#8221;row&#8221; use_row_as_full_screen_section=&#8221;yes&#8221; type=&#8221;full_width&#8221; angled_section=&#8221;no&#8221; text_align=&#8221;left&#8221; background_image_as_pattern=&#8221;without_pattern&#8221; z_index=&#8221;&#8221; css=&#8221;.vc_custom_1752142048208{padding-top: 50px !important;}&#8221;][vc_column][vc_column_text css=&#8221;.vc_custom_1758893312558{padding-bottom: 32px !important;}&#8221;]<\/p>\n<h2><strong>Options for companies <\/strong><\/h2>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221;]Companies can:<\/p>\n<ul>\n<li>Opt for verification on each payment (&#8220;Opt in&#8221;).<\/li>\n<li>Opt out of verification (&#8220;Opt out&#8221;).<\/li>\n<li>Request third-party pre-validation (&#8220;Pre-validation&#8221;) by sending specific files for prior validation.<\/li>\n<\/ul>\n<p>Possible verification results<\/p>\n<ul>\n<li>Full match<\/li>\n<li>No match<\/li>\n<li>Close match<\/li>\n<li>Not possible to perform VOP<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row css_animation=&#8221;&#8221; row_type=&#8221;row&#8221; use_row_as_full_screen_section=&#8221;yes&#8221; type=&#8221;full_width&#8221; angled_section=&#8221;no&#8221; text_align=&#8221;left&#8221; background_image_as_pattern=&#8221;without_pattern&#8221; z_index=&#8221;&#8221; css=&#8221;.vc_custom_1752142048208{padding-top: 50px !important;}&#8221;][vc_column][vc_column_text css=&#8221;.vc_custom_1758893563466{padding-bottom: 32px !important;}&#8221;]<\/p>\n<h2><strong>Reports and reporting <\/strong><\/h2>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221;]Banks will send reports with new statuses in PSR files (Pain.002), indicating the verification result at the remittance and transaction level.[\/vc_column_text][\/vc_column][\/vc_row][vc_row css_animation=&#8221;&#8221; row_type=&#8221;row&#8221; use_row_as_full_screen_section=&#8221;yes&#8221; type=&#8221;full_width&#8221; angled_section=&#8221;no&#8221; text_align=&#8221;left&#8221; background_image_as_pattern=&#8221;without_pattern&#8221; z_index=&#8221;&#8221; css=&#8221;.vc_custom_1752142048208{padding-top: 50px !important;}&#8221;][vc_column][vc_column_text css=&#8221;.vc_custom_1758893587958{padding-bottom: 32px !important;}&#8221;]<\/p>\n<h2><strong>Kyriba strategy<\/strong><\/h2>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221;]What you can expect from your platform:<\/p>\n<ul>\n<li>Kyriba is not subject to regulation, but <strong>will integrate PSR reports <\/strong>related to VOP for corporate clients who opt for verification.<\/li>\n<li>The verification result will be displayed in the payment status <strong>tracking tab<\/strong> and in the individual transaction log.<\/li>\n<li>The pre-validation option will be available in the <strong>fraud module<\/strong> via the &#8220;CheckPayment&#8221; API.<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row css_animation=&#8221;&#8221; row_type=&#8221;row&#8221; use_row_as_full_screen_section=&#8221;yes&#8221; type=&#8221;full_width&#8221; angled_section=&#8221;no&#8221; text_align=&#8221;left&#8221; background_image_as_pattern=&#8221;without_pattern&#8221; z_index=&#8221;&#8221; css=&#8221;.vc_custom_1752142048208{padding-top: 50px !important;}&#8221;][vc_column][vc_column_text css=&#8221;.vc_custom_1758894879205{padding-bottom: 32px !important;}&#8221;]<\/p>\n<h2><strong>Limitations and particularities <\/strong><\/h2>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221;]It will not be possible to authorize or cancel payments in Kyriba after reviewing the VOP result; this must be done directly with the bank.<\/p>\n<p>The interpretation of the regulations may vary depending on the country and protocol (for example, EBICS in Germany has specific restrictions).[\/vc_column_text][\/vc_column][\/vc_row][vc_row css_animation=&#8221;&#8221; row_type=&#8221;row&#8221; use_row_as_full_screen_section=&#8221;yes&#8221; type=&#8221;full_width&#8221; angled_section=&#8221;no&#8221; text_align=&#8221;left&#8221; background_image_as_pattern=&#8221;without_pattern&#8221; z_index=&#8221;&#8221; css=&#8221;.vc_custom_1752142048208{padding-top: 50px !important;}&#8221;][vc_column][vc_column_text css=&#8221;.vc_custom_1758895124578{padding-bottom: 32px !important;}&#8221;]<\/p>\n<h2 data-start=\"4049\" data-end=\"4079\"><strong>Practical recommendations<\/strong><\/h2>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221;]Companies can opt for IBAN\/name verification services in Kyriba (Trustpair) to pre-validate before sending payments to the bank.<\/p>\n<p>Kyriba will adapt its developments according to regional particularities and regulatory developments.[\/vc_column_text][\/vc_column][\/vc_row][vc_row css_animation=&#8221;&#8221; row_type=&#8221;row&#8221; use_row_as_full_screen_section=&#8221;yes&#8221; type=&#8221;full_width&#8221; angled_section=&#8221;no&#8221; text_align=&#8221;left&#8221; background_image_as_pattern=&#8221;without_pattern&#8221; z_index=&#8221;&#8221; css=&#8221;.vc_custom_1752142048208{padding-top: 50px !important;}&#8221;][vc_column][vc_column_text css=&#8221;&#8221;]<\/p>\n<p data-start=\"4451\" data-end=\"4701\"><strong data-start=\"4454\" data-end=\"4492\">Verification of Payee (VOP) <\/strong>marks a step forward in SEPA payment security.<br data-start=\"4550\" data-end=\"4553\" \/>Although it will not be mandatory for companies, it does represent an opportunity to strengthen controls, reduce risks, and optimize payment processes.<\/p>\n<p data-start=\"4703\" data-end=\"4889\">At All CMS, we support finance teams in adopting these new developments, ensuring that each regulatory change becomes an opportunity for treasury improvement.<\/p>\n<p>[\/vc_column_text][vc_empty_space][\/vc_column][\/vc_row][vc_row css_animation=&#8221;&#8221; row_type=&#8221;row&#8221; use_row_as_full_screen_section=&#8221;no&#8221; type=&#8221;full_width&#8221; angled_section=&#8221;no&#8221; text_align=&#8221;left&#8221; background_image_as_pattern=&#8221;without_pattern&#8221; background_color=&#8221;#ffffff&#8221; z_index=&#8221;&#8221; css=&#8221;.vc_custom_1713176457622{background-color: #91b2c3 !important;}&#8221;][vc_column]<div class=\"call_to_action normal\" style=\"\"><div class=\"two_columns_75_25 clearfix\"><div class=\"text_wrapper column1\"><div class=\"call_to_action_text  font_size_inherit\" style=\"font-size:16px;\">\n<h3><strong><span style=\"color: #ffffff\">Are you a CFO or a treasury manager?<\/span><\/strong><\/h3>\n<p><span style=\"color: #ffffff\">Follow us on LinkedIn and join our network of professionals where we share real experiences, trends and learnings from the world of treasury.<\/span><\/div><\/div><div class=\"button_wrapper column2\"><a itemprop=\"url\" href=\"https:\/\/www.linkedin.com\/company\/all-cms\/?utm_source=Blog&#038;utm_medium=Articulo&#038;utm_campaign=KyribaEuropeanPartnerSummit&#038;utm_term=AllCMS\" class=\"qbutton white medium\" target=\"_blank\" style=\"color: #303030;border-color: #ffffff;background-color:#ffffff;\" >\ud83d\udc49 Follow All CMS<\/a><\/div><\/div><\/div>[\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>This mechanism will enable verification that the beneficiary&#8217;s details match before the payment is executed, enhancing security and reducing fraud, especially in instant payments that are irrevocable.<\/p>\n","protected":false},"author":7,"featured_media":23515,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[122],"tags":[],"class_list":["post-23511","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog-en"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Verification of Payee (VOP): New European regulation for SEPA payments | AllCMS<\/title>\n<meta name=\"description\" content=\"In October 2025, Verification of Payee (VOP) will be key in SEPA payments. 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