Are you sufficiently resilient with your VoP service?

28 / 11 / 2025

The 2025 European regulatory landscape is transforming the payments industry. With the Instant Payments Regulation (IPR) making Verification of Payee (VoP) mandatory for all SEPA credit transfers, PSPs are taking proactive steps to lead in security and compliance. By prioritizing VoP, we’re ensuring secure, robust payment services for the future. Learn how to be sufficiently resilient with your VoP service.

1 min.

Payments Instant payments
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The 2025 European regulartory landscape for PSPs was demanding. PSPs faced tight timelines to comply with multiple new regulations coming into force in 2025. Out of these, two dominate:

  • Instant Payments Regulation (IPR), which makes Verification of Payee (VoP) mandatory for SEPA credit transfers, instant or not.
  • Digital Operational Resilience Act (DORA), which requires demonstrable operational continuity and thirdparty resilience.

VoP keeps SEPA transfers safe by checking the IBAN belongs to the submitted name. Since VoP went live, PSPs have been reevaluating resilience, a task that also goes hand-in-hand with DORA compliance.

Financial risks

The party that fails to perform VoP is liable in the event of fraud. At the same time, the scope of liability differs for incoming and outgoing requests, leading to different liability implications. On top of that, take into consideration the potential financial impact of DORA penalties.

Reputational risks

Failed or delayed VoP lookups hurt customer trust and damage your brand reputation in competitive markets. Public scrutiny from customers naturally would translate to lost revenue.

After assessing the risks, if your DORA strategy requires a fallback VoP, you need to consider 3 parameters when choosing your provider:

Track record of reliability metrics, such as high availability and fast response time

  • Request audited uptime records (target: 99.95% or higher) 
  • Average response times (ideally <300ms)

Track record of scalability metrics

  • Proven scalability means your provider can handle sudden traffic spikes during busy periods.
  • Verify if they can process your peak transaction volume within a safe margin.

Configurability of the namematch module

  • Provided service should be identical for customers whether they use the primary or fallback VoP solution.
  • To achieve this, the fallback’s routing verification (name matching) must be configurable to exactly mirror the primary solution.

Increase protection against liability shifts with a robust and reliable RVM. Choose Worldline’s Fallback VoP for our experience as a certified RVM provider, comprehensive name matching capabilities, and truly costeffective integration. 

Learn more about Worldline Fallback VoP.

 

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