Is your VOP strategy disaster-proof?
SurePay is your trusted fallback option
With the EU Instant Payments Regulation deadline approaching, the pressure is on. Across Europe, schemes, vendors and financial institutions are preparing to meet the new requirements. But timelines are tight—and not every implementation goes according to plan. At SurePay, we’re seeing a growing number of organisations exploring fallback scenarios to mitigate potential risks. Whether you’re working with a vendor, developing your own solution, or part of a domestic scheme, having a proven and compliant backup in place offers peace of mind.
Where we can support
Domestic Schemes
SurePay can act as a central provider or serve as a fallback to help ensure all participants remain compliant, on time and across borders.
Vendors and Partners
Facing tight deadlines or unexpected hurdles? SurePay provides technical assurance and delivery support, protecting customer relationships.
In-house Builds
Developing a VOP solution internally can offer strategic benefits, but also brings operational and compliance challenges. We help institutions safeguard their timeline and obligations—without compromising control.
Why choose SurePay?
SurePay has implemented VOP for over 200 banks across Europe, from local integrations to national rollouts in the Netherlands, Belgium and soon also Denmark. Our solution is fully compliant with EPC regulations and designed for both domestic and cross-border use.
Fully integrated with the EPC Directory Service (EDS)
Performed over 10 billion VOP checks since 2016
Live across Europe, including domestic schemes
Built for single and batch payments
Fast implementation: in some cases in as little as 2 weeks
Scalable, proven solution processing high volumes instantly
How SurePay Works
Instant payments are fast and convenient, but also irreversible. That makes accuracy more critical than ever. A small mistake, a wrong name or incorrect IBAN, can lead to failed transactions, fraud, or frustrated customers.
Today, SurePay is the leading VOP provider in Europe, helping banks protect their customers and meet regulatory demands — with an algorithm that’s both robust and flexible.
This whitepaper explains how SurePay works, and why getting VOP right is crucial for safe and seamless instant payments.
The challenges of building VOP internally
A complete VOP implementation typically involves three key components:
- Single checks
Require a high-performing connection (API) from the online transaction channel, and an equally strong matching engine that balances accuracy with user experience. - Routing and directory connectivity
Demands integration with the EPC Directory and consistent management of external bank responses. - Batch processing
Often the most technically complex part—especially when aligning APIs, workflows, and corporate channels.
Many banks build strong foundations, but discover that delivering all three components to regulatory standards, within tight timelines,
can be more involved than expected.
Considerations for internal builds
Opportunities:
- Full architectural control
- No external licensing
- Potential to offer VOP as a corporate service
Challenges:
- High IT workload for a mandatory, non-revenue project
- Ongoing maintenance for regulatory alignment
- Greater internal exposure to compliance risks
For these reasons, fallback scenarios are increasingly considered a strategic addition, providing continuity and assurance if timelines shift or scope evolves.
Let’s start the conversation
If you’re unsure whether your current implementation will meet the regulatory deadline — or want to mitigate risks along the way — SurePay offers a secure and proven fallback.
Schedule a 30-minute call with one of our VOP specialists today
Download our SurePay flyer to get an easy overview.
Frequently asked questions
Even the best implementation plans face delays or unexpected issues. A fallback like SurePay ensures your institution remains compliant and protected—without losing valuable time or customer trust.
SurePay can complement in-house or vendor solutions as a secondary route or fully integrated backup. We’re flexible in how we plug into your environment, minimising disruption.
SurePay implementations can be live in as little as 2 weeks, depending on your infrastructure and needs. This includes integration, testing and EPC compliance setup.
Yes. SurePay’s solution is fully EPC-compliant, integrated with the EDS (EPC Directory Service), and already supports batch and single VOP checks across domestic and cross-border payments.
A fallback runs in parallel or as a contingency. If your main solution falters, SurePay ensures continuity—without requiring a full transition. However, many of our fallback clients eventually scale SurePay into their primary solution due to its performance and reliability.
We support institutions by safeguarding timelines and EPC compliance, especially around:
- Complex batch file processing
- EDS connectivity
- Cross-border use cases
- Load balancing or scaling under pressure
With over 10 billion checks, 200+ banks, and national rollouts in countries like the Netherlands, Belgium, and soon Denmark, SurePay is not just a backup—it’s the most proven VOP platform in Europe.
