Both addresses can be changed at any time by sending an updated Schedule Information to the Adherence Agreement (Annex H2) to the EPC.

In practice, due to the architecture of the VOP scheme and its API, adherence by non-EEA PSPs (apart from the case of a non-EEA SCT/SCT Inst scheme participant parent adhe

The API Reference Toolbox (ART) will be used for VOP interoperability tests, VOP scheme

All current and future SEPA Credit Transfer (SCT) and/or SEPA Instant Credit Transfer (SCT Inst) scheme participants affected by the amended SEPA Regulation provisions on verification of payee must adhere to the VOP scheme and register into and fu

The section 4.4 Eligibility for participation of the VOP scheme rulebook outlines which entities can adhere to this scheme.

The VOP scheme rulebook will be effective on 5 October 2025. As of that date, in principle any PSP able to comply with all the rules specified in this rulebook can adhere.

For SCT/SCT Inst scheme participant EMIs and PIs, the same principles of which under Q&A III.1 apply. SCT/SCT Inst scheme participant PIs and EMIs located in the Eurozone are required to offer a VOP service as of 9 October 2025.

PSPs are required to use a QWAC PSD2 certificate when sending a VOP Request for authentication by the Responding PSP.

From the EPC point of view, you only need one certificate, which is for production. However, when it comes to testing VOP, there are different scenarios depending on your choice to work with an RVM or not.

Following the specifications described in the “Verification Of Payee API Specifications” document, the VAT number value must be inserted in the “identification” attribute, and it is mandatory that the value “TXID” be used as the