Comply Fast. Verify Smart. Protect Every Payment.
Ready-to-integrate VoP routing and verification solution
CheckPayee is a ready-to-integrate VoP routing and verification solution. We meet all compliance requirements and build a trust infrastructure for financial companies and their clients.
Why it works
Payments Regulation
Stay Prepared.
By October 9, 2025, all EU PSPs must implement VoP.
Ensure compliance and protect your business with our proven solution.
Standardized Verification Process
Input Data
The payer enters recipient details, including the account name and IBAN, into their banking platform. This critical step begins the bank account validation process for secure and accurate transactions.
Real-Time Validation
Checkpayee performs real-time payment verification by cross-checking the provided details with the recipient bank's database. This ensures payee name matching and eliminates errors, enhancing payment accuracy.
Alert System
If any mismatch occurs, an instant alert notifies the payer, enabling them to resolve the issue before the transaction is completed. This minimizes risks of misdirected payments and supports payment fraud prevention.
Why Choose Our VoP Solution
Full VoP Scheme Compliance
Complete adherence to EPC VoP Scheme Rulebook requirements
Fraud Prevention
Reduce payment fraud through accurate beneficiary name verification following EPC standards
Improved Customer Trust
Enhance customer confidence with secure payments and transparent processes that reduce errors and disputes, strengthening loyalty and satisfaction
Why Choose Our VoP Solution?
RegTech Expertise
Serving banks in Germany and Switzerland since 2016 — with deep expertise in PSD2, SEPA, AML, and GDPR
EPC-Compliant & ART-Ready
VoP built on the 2024 EPC Rulebook. Supports Name+IBAN, Identifier-based, and PI/EMI flows. Ready for certification
Fast Response Time
<1 second average response. Fully compliant with EPC's 5-second SLA for real-time and batch flows
Bank-Grade Security
QWAC, TLS, mutual auth, and ISO 27001-certified EU data centers
Smart Matching Logic
Levenshtein- and phonetics-based matching with configurable Close Match control. No data leakage
Full Audit Trail
Every request is logged and verifiable ready for IPR and regulatory audit
Trust Built on Proven Standards
We take data security seriously. Our solution is built with robust safeguards that meet the highest industry expectations. For a full overview of our security architecture and certifications, we're happy to walk you through them during a product demo.
GDPR-Compliant by Design
Your data is protected under the strictest privacy and data protection rules in Europe — the General Data Protection Regulation (GDPR)
End-to-End Encryption
We secure all data in transit and at rest using modern encryption protocols
Access Control & Audit Trails
Only authorized personnel access sensitive data, with full logging and traceability
Secure Development Lifecycle
Our development process includes security reviews, regular updates, and vulnerability monitoring
Who we are
We are a product-driven tech team with deep roots in fintech, compliance, and AI.
Since 2011, we've been designing secure, high-performance digital infrastructure for banks and financial institutions across Europe — with a focus on precision, scalability, and regulatory readiness.
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Payments Regulation
Stay Prepared.
By October 9, 2025, all EU PSPs must implement VoP.
Ensure compliance and protect your business with our proven solution.
Ready to Get Started?
Contact our team of payment security experts to discuss your VoP implementation requirements. We'll help you navigate compliance, reduce fraud, and enhance your payment security infrastructure.
Schedule a Meeting
Book a 30-minute consultation
Why Choose CheckPayee?
Send us a Message
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Your Questions Answered
Frequently Asked Questions
Everything you need to know about VoP implementation, compliance requirements, and our solution to help you make informed decisions.
Verification of Payee (VoP) is a critical security service mandated by the EU's Instant Payments Regulation (IPR) to make digital payments safer and more reliable across Europe.
When you initiate a payment, VoP performs a real-time check to verify that the payee name you've entered matches the actual account holder at the receiving bank. This verification happens instantly before the payment is processed.
Why it matters: VoP significantly reduces payment errors, prevents fraud, and gives both payers and payees confidence that money reaches the intended recipient. It's your first line of defense against misdirected payments and potential scams.