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Status Under review
Workspace Sterling File Gateway
Categories Standards
Created by Guest
Created on Jun 11, 2025

RELATED IDEAS

Support Verification Of Payee (VOP) in EBICS

The EU Commission Instant Payment Regulation specifies that IBAN name verification, which must be carried out before the order is approved, must be mandatory for both SEPA credit transfers and real-time credit transfers, with a few exceptions. All of these points must be implemented 18 months after the regulation enters into force (i.e., by October 9, 2025). 

The implementation guide for EBICS (2025-04-11-IP_Reg_Implementation_Guide_EBICS-mAE.pdf) is available from https://www.ebics.de/de/ebics-standard/implementation-guide (only in German unfortunately) and relates to the German DFU Agreement Appendix 3 available (in English or German) from here: https://www.ebics.de/de/datenformate 

  • Admin
    Mark Allen
    Oct 15, 2025

    Thank you for taking the time to provide your ideas to IBM. We truly value our relationship with you and appreciate your willingness to share details about your experience, your recommendations, and ideas.

    We are currently reviewing this request with our technical team and will update the status once our analysis is complete.

    Reply
  • Guest
    Sep 29, 2025

    The EBICS protocol, particularly in relation to VEU (Verteilte Elektronische Unterschrift / Distributed Electronic Signature) and Verification of Payee (VoP), is undergoing significant regulatory changes in the European Union due to the EU Regulation on Instant Payments (EU 2024/886).

    🔐 Key Regulatory Requirements


    Mandatory VoP Implementation Date:


    October 5, 2025 is the official deadline by which all payment service providers (PSPs) in the SEPA area must implement Verification of Payee (VoP) checks for SEPA credit transfers and instant payments.


    European Commission has published official documentation and clarifications regarding the Instant Payments Regulation (EU 2024/886), which directly impacts EBICS and VEU implementations, especially around Verification of Payee (VoP).

    Important date:

    9 Oct 2025PSPs must send instant payments and perform VoP.



    Here's a compliance roadmap tailored for banks and EBICS clients in the EU to meet the Instant Payments Regulation (EU 2024/886) requirements, especially around VoP and VEU.


    EBICS Compliance Roadmap for EU Regulation 2024/886

    📌 Phase 1: Awareness & Planning (Q4 2024)

    Understand the Regulation:

    Review EU Regulation 2024/886.

    https://finance.ec.europa.eu/publications/clarification-requirements-instant-payments-regulation_en

    Focus on VoP, VEU, and order type changes (CCT/CIP → CIV/CTV).


    Stakeholder Alignment:

    Involve compliance, IT, treasury, and client onboarding teams.

    Identify impacted EBICS clients (corporates, PSPs).


    📌 Phase 2: Technical Preparation (Q1–Q2 2025)


    Update EBICS Software:


    Ensure support for new order types:


    CTV/CIV for VoP-enabled payments.

    CCT/CIP for opt-out (legacy).


    Implement VoP Checks:


    Integrate VoP into payment initiation workflows.

    Ensure fallback handling for mismatches (e.g., name mismatch alerts).



    Configure VEU:


    Ensure VEU is triggered after VoP check for dual authorization.

    Align with bank-side VEU policies.




    📌 Phase 3: Testing & Client Communication (Q2–Q3 2025)


    Pilot with Key Clients:


    Test VoP + VEU flows with selected EBICS clients.

    Validate end-to-end processing and error handling.


    Client Communication:


    Inform clients of changes to EBICS order types and VEU requirements.

    Provide updated documentation and training.


    📌 Phase 4: Go-Live & Monitoring (By October 5, 2025)


    Full Deployment:


    Switch to VoP-enabled order types for all applicable payments.

    Enforce VEU for post-VoP authorization.


    Monitor Compliance:

    Track VoP success rates, mismatches, and VEU usage.

    Report to regulators if required.



    It's Urgent to have that feature implemented in the prodcut.

    Reply

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