⬡ OpenChainGraph Upgrade Available An enhanced version of this tool: ART-11 VoP Batch Match-Rate Analyser: is available in the OpenChainGraph suite with §4 hash-anchored artifacts and MCP export. ⬡ Open ART-11 →
Cat-21 · T289 · Real-Time Payments & SEPA Instant
v1.0

Verification of Payee Readiness & Match Simulator

VoP is mandatory for euro-area PSPs offering SCT and SCT Inst since 9 October 2025 under the Instant Payments Regulation (EU) 2024/886, with the EPC VoP Scheme Rulebook in force since 5 October 2025 (EEA non-euro PSPs follow by 9 July 2027). Simulate how a payee name resolves against the account's registered name: Match, Close Match, No Match, or Verification Not Possible: with a deterministic matching engine and tunable thresholds, then score your VoP scheme readiness.

SCT Inst · IPR EPC VoP Rulebook 4 Outcomes Zero PII Client-Side
Scope & reliance: Deterministic logic · no inference · zero PII · CC BY 4.0. The matching algorithm here is illustrative: the EPC Rulebook deliberately does not prescribe a matching algorithm: each responding PSP chooses and governs its own. Reason-code labels shown are illustrative, not EPC API wire codes. Mandate dates verified against Reg (EU) 2024/886 and EPC scheme publications as of 2026-06-06: re-verify before relying. Not a substitute for the EPC VoP Scheme Rulebook or legal advice.
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1 · Match-Outcome Simulator (synthetic data only)

Move the thresholds to see how algorithm governance shifts false positives (fraud risk) vs false negatives (customer friction): the trade-off your VoP matching-governance policy must document.

2 · VoP Scheme Readiness (EPC Rulebook + IPR obligations)