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  1. Frequently asked questions
  2. Verification Of Payee scheme
  3. Rulebook

In case a customer (Requester) wants to execute a payment by discarding the VOP result and the warning message (i.e., in case of no match/verification check not possible/no response) and it has resulted in financial loss, who will be liable?

EPC FAQ:  —  Last updated: 17/07/2025

For liability related questions, please refer to the Regulation (EU) 260/2012 as modified by the Regulation (EU) 886/2024 (Instant Payments Regulation - IPR), and to the Clarification of requirements of the IPR published by the European Commission on July 23rd.