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
Regarding the Unstructured remittance information field, we have the following questions:
We followed the definition described in ISO20022, the “identification” has the Datatype “Max256Text”
i.e. source ISO20022_MDRPart2_PaymentsInitiation_2023_2024_v1 (page 341)
In these cases, the response code is sufficient and self-explanatory, there is no need for a detailed error code.
Our recommendation is to use the code “NOAP”.
