APP fraud costs Europe up to 2.4 billion euros annually. Misdirected payments add to the bill. Both happen in the same moment: when a payer enters an IBAN and a name and presses send.
VoP intercepts that moment, checking the name matches the account, in real time, before the money moves.
Mandated across Europe under PSR, IPR, and SEPA Instant Credit Transfer regulations.
Over 100 million accounts covered. More than 1 million verification requests processed every day, with observed peaks above 2 million.
95% of responses returned in under 500 milliseconds. 40+ financial institutions live.
This is an infrastructure already running at national scale.
A solution built to meet your current and future needs across channels, payment types, and markets.
The API integrates with what you already have.
And the platform evolves as mandates change, so you do not have to rebuild.
VoP initiatives in the Netherlands and the UK delivered an 81% reduction in all-cause fraud and a 67% drop in misdirected payments. PSR in the UK, IPR across the EU, and SEPA Instant Credit Transfer regulations have mandated the VoP adoption across Europe.
The most critical moment in any payment is the second before money leaves an account. VoP adds a verification step at exactly that moment, catching scams and mistakes before they become fraud claims, chargeback disputes, or regulator conversations.
28% of European mobile wallet non-users cite worries about hacked payment details as a barrier to adoption. A bank that visibly verifies payees before every transfer gives customers a reason to stay, to trust, and to recommend. VoP is the feature that shows you take their money seriously.
Before completing a transaction, payers receive immediate feedback: match, close match, no match, or unable to perform. Simple, transparent, and confidence-building — at the moment it matters most.
The entire verification process adds just 1 to 5 seconds to the payment experience, the time the customer sees. The underlying API response arrives in under 500 milliseconds in 95% of cases. Customers get the speed of instant payments and the assurance that their money is going to the right place.
VoP works whether customers pay via mobile, web, or in-branch. The protection follows the customer wherever they pay, consistent, reliable, and invisible in the best possible way.
"We deliver you fully regulatory-compliant solutions with knowledge and expertise in fraud prevention. And we stay with you all the way to protect your cardholders. The least we can do as players in this ecosystem is to join forces, collaborate and align among ourselves in this fight against billions of losses."
"The financial institutions that will thrive in this new era are those that view instant payments not just as a technical upgrade, but as a foundation for reimagining customer relationships and business models. The future belongs to those who can balance security with seamless user experience while creating value beyond the transaction itself."
Our API-first architecture connects smoothly with your existing payment infrastructure, core banking systems, payment hubs, and mobile banking apps. It supports multiple standards and formats, and is designed to add security without adding complexity. Easy to implement, straightforward to maintain, and built to scale with your business.
The same infrastructure that returns 95% of API responses in under 500ms runs yours.
G+D Netcetera's broader fraud prevention framework goes beyond VoP. Our SDK analyses how users interact with their devices during registration and at the point of payment, creating unique behavioural profiles that are difficult for fraudsters to replicate. Our systems monitor payment patterns in real time, identify anomalies in milliseconds, and adapt as new fraud tactics emerge, keeping pace with instant payments.
An essential layer of customer protection, a banking security check that confirms the recipient's identity before a payment is processed. It verifies that the account number (IBAN) and the name entered by the payer match the actual account holder at the recipient's bank. VoP is now mandated across Europe under the Payment Services Regulation (PSR) in the UK, the Instant Payments Regulation (IPR) across the EU, and SEPA Instant Credit Transfer requirements.
A VoP request requires the payee's IBAN or other applicable account identifier, the payee's name, the identity of the requesting payment service provider, and any additional details needed to confirm accuracy. The G+D Netcetera solution handles all of these in a single API call, returning a clear result — match, close match, no match, or unable to perform — with 95% of API responses arriving in under 500 milliseconds.
Three things that are hard to replicate: scale, expertise, and the managed service model.
Scale: over 100 million accounts, 1 million+ daily requests, 40+ financial institutions live , production-grade infrastructure already running at national scale.
Expertise: 30 years in payment security and fraud prevention. Managed service: fully hosted and operated by G+D Netcetera, with no infrastructure burden on your side, automatic updates, and a security framework that goes beyond VoP to include behavioural biometrics and real-time transaction monitoring.
The payer is informed before the transaction proceeds. They retain the choice to continue or cancel — ensuring full transparency and informed consent. For a close match result, the actual account holder name is shown, so the customer can decide with full information. If no response is received within 5 seconds, the payer is notified that the verification check is unable to perform, in line with the VoP rulebook.
Yes. The G+D Netcetera VoP service covers both domestic and cross-border payment scenarios, providing the widest available global reach. Whether customers are making transfers within a single market or sending money internationally, the same verification layer applies — consistent and reliable. The approximately 70% match rate reflects real-world name data across diverse markets and payment corridors.
Authentication that protects every card-not-present transaction. Layer 3DS onto VoP for end-to-end payment security — from payee verification to transaction authentication.
Modern, phishing-resistant authentication for banking and payments. Strengthen your customer journey with passkey-based login and strong customer authentication — the natural partner to VoP.
Full visibility and control over your token lifecycle. Securing the integrity of tokenized payment credentials.
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