Verification of Payee (VoP) providers for SEPA
4 verified European providers, ranked European-origin first (3 EU/EEA-origin). IBAN-name checks are mandatory for all SEPA credit transfers under the Instant Payments Regulation - eurozone deadline 9 October 2025, non-euro states 9 July 2027. Who provides the VoP/CoP rails in Europe, and who owns them. Compare by EEA data residency, licence and regulator - each verified at source.
4 verified providers
Last source verification in this list: 2026-07-13. How we verify →
At a glance (4 providers): licences: 2 PI, 2 Vendor; EEA data residency: 3 Yes, 1 No; headquarters: 3 EU core, 1 UK.
Licence = the authorisation the provider holds itself (Vendor = unlicensed software). EEA data = customer data stored and processed in the EEA. – = not documented at source. Names open the verified profile.
| Provider | HQ | Licence | EEA data | Also offers | Verified | Intro |
|---|---|---|---|---|---|---|
 LUXHUB | Luxembourg EU core | PI | Yes | Open banking | 2026-07-13 | Request intro |
 SurePay | Netherlands EU core | Vendor | Yes | – | 2026-07-12 | Request intro |
 Trustpair | France EU core | Vendor | Yes | Fraud & AML monitoring | 2026-06-26 | Request intro |
 Banfico | UK UK | PI | No | Open banking | 2026-06-26 | Request intro |
FAQ
What is Verification of Payee (VoP)?
The EU Instant Payments Regulation requires banks and PSPs to check that the payee's name matches the IBAN before a credit transfer - live across SEPA from October 2025. Fintechnologica lists 4 verified VoP providers (3 European-origin).
Who needs a VoP provider?
Every PSP executing SEPA credit transfers must offer VoP - most buy the matching engine and the EPC-scheme connectivity rather than build it. Fraud teams also use the same name-IBAN matching to stop authorised push-payment fraud.