How it Works

  1. Confirm that the country of the Responding PSP is eligible to make VoP Requests by checking if the Responding PSP’s Country Code (taken from the Payee’s IBAN) is present in a list of eligible SEPA Country Codes.

  2. If the Responding PSP’s Country Code is not present in the list, then the VoP request is rejected.

  3. If the Country Code check is successful, confirm that the Responding PSP’s country is mandated to make VoP Requests according to the VoP Regulatory Date for that country.

  4. If the VoP Regulatory Date for that country has been reached or passed, or the Regulatory Date field is blank, then the VoP Request is allowed.

  5. If the VoP Regulatory Date for that country is in the future, then the VoP request is rejected. Details of the responses from country filtering are included in the Requester API.