As specified in the VOP scheme rulebook, the Requesting PSP must instantly communicate the VOP response to the Requester (Payer) as provided by the Responding PSP. When the response received is a “No Match” or “Verification check not possible” or no response at all is received, the Requesting PSP also instantly informs the Requester (Payer) that authorising the payment may lead to transferring funds to a payment account not held by the Payment Counterparty (Payee) as indicated by the Requester (Payer).
Based on the VOP response presented by its PSP, the Requester (Payer) decides whether to pursue or not with its payment.
Consequently, preventing a Requester (Payer) from executing a credit transfer because of the VOP result is in breach of the VOP and SCT(Inst) rulebooks.