Country Filtering

Overview

Responder Country Filtering is a configurable feature that allows a Verification of Payee (VoP) Request to be rejected either on the basis that the country of the Requesting Payment Service Provider (PSP) is not eligible to make the request, or that the country of the Requesting PSP is not currently mandated to make the request according to the Regulatory timetable.

How it Works

  1. Confirm that the country of the Requesting PSP is eligible to make VoP Requests by checking if the Requesting PSP’s Country Code (taken from the PSP’s BIC) is present on a list of eligible Country Codes.

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

  3. If the Country Code check is successful, confirm that the Requesting 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.

Configuration

Country Filtering is disabled (country filtering will be skipped) by default. When enabled, you will be required to provide a list of allowed countries per scheme.

Example Configuration

Property Grouping: ipf.verification-of-payee.responder

Key Description Example Value

ipf.verification-of-payee.responder.country-filtering.enabled

On/Off switch for country filtering

 
true

ipf.verification-of-payee.responder.scheme-allowed-countries

Allowed countries are configured per scheme

 
[
    {
        "allowed-countries" : [
            {
                "country-code" : "de",
                "regulatory-date" : "2025-09-17"
            },
            {
                "country-code" : "FR",
                "regulatory-date" : "2025-07-15"
            },
            {
                "country-code" : "Gb"
            }
        ],
        "regulatory-date-timezone" : "Europe/Belgrade",
        "scheme" : "EPC"
    }

]

Additional Details

Property Grouping: ipf.verification-of-payee.responder.country-filtering

Key Description Default Value

ipf.verification-of-payee.responder.country-filtering.enabled

On/Off switch for country filtering

 
false

Further details of allowed countries for filtering underneath ipf.verification-of-payee.responder.scheme-allowed-countries are below:

Field Name Description

scheme

VoP Scheme

regulatory-date-timezone

Optional field to configure date time zone for calculating whether the regulatory date has passed. If it is not defined, falls back to UTC by default. The value must be a valid Internet Assigned Numbers Authority (IANA) time zone identifier (e.g., "Europe/Berlin").

allowed-countries[n].country-code

Country code that should be allowed. It’s a mandatory field and must be 2 case-insensitive alpha characters.

allowed-countries[n].regulatory-date

Regulatory date that needs to be met for the given country. Field is optional, if not provided regulatory date check will be skipped. Value must follow "YYYY-MM-DD" format.

Error Handling

Startup Errors

Country filtering performs startup validations on given configuration and it will fail application startup if any of the following conditions are not met:

  • Country filtering must be enabled or disabled on path ipf.verification-of-payee.responder.country-filtering.enabled

  • If country filtering is enabled:

    • scheme-allowed-countries - can not be empty

    • scheme - must be present and valid scheme name (e.g., EPC)

    • regulatory-date-timezone - if configured, must be a valid Internet Assigned Numbers Authority (IANA) time zone identifier (e.g., "Europe/Berlin").

    • country-code - is required and must be 2 case-insensitive alpha characters

    • regulatory-date - if configured, must be valid date format "YYYY-MM-DD" (e.g. "2025-09-12")