{"id":24348,"date":"2025-08-13T15:09:32","date_gmt":"2025-08-13T13:09:32","guid":{"rendered":"https:\/\/www.surepay.eu\/?p=24348"},"modified":"2025-09-16T09:55:12","modified_gmt":"2025-09-16T07:55:12","slug":"comprendre-le-reglement-europeen-relatif-aux-paiements-instantanes-ipr-ce-que-les-banques-doivent-savoir","status":"publish","type":"post","link":"https:\/\/www.surepay.eu\/fr\/comprendre-le-reglement-europeen-relatif-aux-paiements-instantanes-ipr-ce-que-les-banques-doivent-savoir\/","title":{"rendered":"Comprendre le r\u00e8glement europ\u00e9en relatif aux paiements instantan\u00e9s (IPR) : ce que les banques doivent savoir"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"24348\" class=\"elementor elementor-24348\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-861e776 elementor-section-height-min-height elementor-section-items-top elementor-section-content-middle elementor-section-boxed elementor-section-height-default\" data-id=\"861e776\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-18b25d1 main-1\" data-id=\"18b25d1\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a1bcf87 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"a1bcf87\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Comprendre le r\u00e8glement europ\u00e9en relatif aux paiements instantan\u00e9s (IPR) : ce que les banques doivent savoir<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a68d032 elementor-align-left elementor-widget elementor-widget-post-info\" data-id=\"a68d032\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-inline-items elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-8194f57 elementor-inline-item\">\n\t\t\t\t\t\t<a href=\"https:\/\/www.surepay.eu\/news-blogs\/\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-left\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M257.5 445.1l-22.2 22.2c-9.4 9.4-24.6 9.4-33.9 0L7 273c-9.4-9.4-9.4-24.6 0-33.9L201.4 44.7c9.4-9.4 24.6-9.4 33.9 0l22.2 22.2c9.5 9.5 9.3 25-.4 34.3L136.6 216H424c13.3 0 24 10.7 24 24v32c0 13.3-10.7 24-24 24H136.6l120.5 114.8c9.8 9.3 10 24.8.4 34.3z\"><\/path><\/svg>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-custom\">\n\t\t\t\t\t\t\t\t\t\tBack to overview\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-0f1203c elementor-inline-item\" itemprop=\"datePublished\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-calendar\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M12 192h424c6.6 0 12 5.4 12 12v260c0 26.5-21.5 48-48 48H48c-26.5 0-48-21.5-48-48V204c0-6.6 5.4-12 12-12zm436-44v-36c0-26.5-21.5-48-48-48h-48V12c0-6.6-5.4-12-12-12h-40c-6.6 0-12 5.4-12 12v52H160V12c0-6.6-5.4-12-12-12h-40c-6.6 0-12 5.4-12 12v52H48C21.5 64 0 85.5 0 112v36c0 6.6 5.4 12 12 12h424c6.6 0 12-5.4 12-12z\"><\/path><\/svg>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-date\">\n\t\t\t\t\t\t\t\t\t\t<time>13\/08\/2025<\/time>\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c2caba3 elementor-widget elementor-widget-text-editor\" data-id=\"c2caba3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Le r\u00e8glement europ\u00e9en sur les paiements instantan\u00e9s (IPR) va profond\u00e9ment transformer le paysage europ\u00e9en en mati\u00e8re de paiements en rendant les paiements instantan\u00e9s obligatoires pour tous les \u00e9tablissements financiers d&rsquo;ici \u00e0 2025. Ce r\u00e8glement stipule que les services de paiement doivent \u00eatre disponibles 24 heures sur 24, trait\u00e9s en temps r\u00e9el et \u00eatre aussi abordables, s\u00fbrs et accessibles que les virements traditionnels. Pour les banques et les prestataires de services de paiement (PSP), l&rsquo;IPR pr\u00e9sente \u00e0 la fois des opportunit\u00e9s et des d\u00e9fis, car ils doivent se conformer \u00e0 ces nouvelles normes tout en am\u00e9liorant leur infrastructure existante.<\/strong><\/p><p>\n\n<\/p><p>L&rsquo;un des \u00e9l\u00e9ments les plus importants pour la conformit\u00e9 est la mise en \u0153uvre de la <a href=\"https:\/\/www.surepay.eu\/verification-of-payee-in-the-eu\/\">v\u00e9rification du b\u00e9n\u00e9ficiaire (VoP)<\/a>, un outil essentiel pour lutter contre la fraude et garantir l&rsquo;exactitude des transactions. \u00c0 l&rsquo;approche de la date butoir, il est essentiel que les banques commencent d\u00e8s maintenant \u00e0 se pr\u00e9parer. Dans cet article, nous abordons les principales exigences de l&rsquo;IPR, ses avantages pour les banques et les consommateurs, les d\u00e9fis qu&rsquo;elle pose et la mani\u00e8re dont SurePay peut aider les banques \u00e0 g\u00e9rer cette transition r\u00e9glementaire en toute transparence.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-07de717 elementor-hidden-mobile elementor-invisible\" data-id=\"07de717\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0b9a085 elementor-widget elementor-widget-image\" data-id=\"0b9a085\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"758\" src=\"https:\/\/www.surepay.eu\/wp-content\/uploads\/2025\/01\/Blog-Visuals-35-1024x970.png\" class=\"attachment-large size-large wp-image-19495\" alt=\"\" srcset=\"https:\/\/www.surepay.eu\/wp-content\/uploads\/2025\/01\/Blog-Visuals-35-1024x970.png 1024w, https:\/\/www.surepay.eu\/wp-content\/uploads\/2025\/01\/Blog-Visuals-35-300x284.png 300w, https:\/\/www.surepay.eu\/wp-content\/uploads\/2025\/01\/Blog-Visuals-35-768x728.png 768w, https:\/\/www.surepay.eu\/wp-content\/uploads\/2025\/01\/Blog-Visuals-35-1536x1455.png 1536w, https:\/\/www.surepay.eu\/wp-content\/uploads\/2025\/01\/Blog-Visuals-35.png 1650w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-c2b6bba elementor-section-full_width elementor-section-content-bottom BgFull elementor-section-height-default elementor-section-height-default\" data-id=\"c2b6bba\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;shape_divider_top&quot;:&quot;waves&quot;,&quot;shape_divider_bottom&quot;:&quot;waves&quot;}\">\n\t\t\t\t\t<div class=\"elementor-shape elementor-shape-top\" aria-hidden=\"true\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" d=\"M421.9,6.5c22.6-2.5,51.5,0.4,75.5,5.3c23.6,4.9,70.9,23.5,100.5,35.7c75.8,32.2,133.7,44.5,192.6,49.7\n\tc23.6,2.1,48.7,3.5,103.4-2.5c54.7-6,106.2-25.6,106.2-25.6V0H0v30.3c0,0,72,32.6,158.4,30.5c39.2-0.7,92.8-6.7,134-22.4\n\tc21.2-8.1,52.2-18.2,79.7-24.2C399.3,7.9,411.6,7.5,421.9,6.5z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t<div class=\"elementor-shape elementor-shape-bottom\" aria-hidden=\"true\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" d=\"M421.9,6.5c22.6-2.5,51.5,0.4,75.5,5.3c23.6,4.9,70.9,23.5,100.5,35.7c75.8,32.2,133.7,44.5,192.6,49.7\n\tc23.6,2.1,48.7,3.5,103.4-2.5c54.7-6,106.2-25.6,106.2-25.6V0H0v30.3c0,0,72,32.6,158.4,30.5c39.2-0.7,92.8-6.7,134-22.4\n\tc21.2-8.1,52.2-18.2,79.7-24.2C399.3,7.9,411.6,7.5,421.9,6.5z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b9a824e elementor-invisible\" data-id=\"b9a824e\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-a4c7f4b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a4c7f4b\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-98e5f81\" data-id=\"98e5f81\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5b951d8 elementor-widget elementor-widget-image\" data-id=\"5b951d8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"746\" height=\"1024\" src=\"https:\/\/www.surepay.eu\/wp-content\/uploads\/2024\/12\/Match-screen-VOP-example-746x1024.jpg\" class=\"attachment-large size-large wp-image-18860\" alt=\"Screenshot of a bank transaction showing the verification of the recipient&#039;s name and account number, with a VOP result indicating &quot;name and account number are matching.\" srcset=\"https:\/\/www.surepay.eu\/wp-content\/uploads\/2024\/12\/Match-screen-VOP-example-746x1024.jpg 746w, https:\/\/www.surepay.eu\/wp-content\/uploads\/2024\/12\/Match-screen-VOP-example-218x300.jpg 218w, https:\/\/www.surepay.eu\/wp-content\/uploads\/2024\/12\/Match-screen-VOP-example-768x1055.jpg 768w, https:\/\/www.surepay.eu\/wp-content\/uploads\/2024\/12\/Match-screen-VOP-example.jpg 964w\" sizes=\"(max-width: 746px) 100vw, 746px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-48e63b2 elementor-widget elementor-widget-image\" data-id=\"48e63b2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1536\" height=\"1920\" src=\"https:\/\/www.surepay.eu\/wp-content\/uploads\/2025\/01\/SurePay-Why-Instant-Payments1.jpg\" class=\"attachment-full size-full wp-image-19387\" alt=\"Visual that says \u201cWhat\u2019s at stake? Operational disruptions, increased risk of fraud and customer dissatisfaction\u201d to show the why the IPR are crucial.\" srcset=\"https:\/\/www.surepay.eu\/wp-content\/uploads\/2025\/01\/SurePay-Why-Instant-Payments1.jpg 1536w, https:\/\/www.surepay.eu\/wp-content\/uploads\/2025\/01\/SurePay-Why-Instant-Payments1-240x300.jpg 240w, https:\/\/www.surepay.eu\/wp-content\/uploads\/2025\/01\/SurePay-Why-Instant-Payments1-819x1024.jpg 819w, https:\/\/www.surepay.eu\/wp-content\/uploads\/2025\/01\/SurePay-Why-Instant-Payments1-768x960.jpg 768w, https:\/\/www.surepay.eu\/wp-content\/uploads\/2025\/01\/SurePay-Why-Instant-Payments1-1229x1536.jpg 1229w\" sizes=\"(max-width: 1536px) 100vw, 1536px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-039d77f\" data-id=\"039d77f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-657eb1d elementor-widget elementor-widget-heading\" data-id=\"657eb1d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Le r\u00e8glement europ\u00e9en des paiements instantan\u00e9s<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f54cfcf elementor-widget elementor-widget-text-editor\" data-id=\"f54cfcf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"https:\/\/www.ecb.europa.eu\/paym\/integration\/retail\/instant_payments\/html\/instant_payments_regulation.en.html\">Le r\u00e8glement europ\u00e9en sur les paiements instantan\u00e9s (IPR)<\/a> est une initiative l\u00e9gislative r\u00e9volutionnaire qui vise \u00e0 faire des paiements instantan\u00e9s la nouvelle norme dans toute l&rsquo;Europe. En exigeant que les paiements instantan\u00e9s soient aussi abordables, s\u00fbrs et accessibles que les virements bancaires classiques, le r\u00e8glement vise \u00e0 moderniser les infrastructures de paiement et \u00e0 promouvoir l&rsquo;inclusion financi\u00e8re.<\/p><p><\/p><p>Pour les banques, cela signifie qu&rsquo;elles doivent s&rsquo;adapter \u00e0 de nouvelles normes op\u00e9rationnelles tout en r\u00e9pondant aux attentes de leurs clients en mati\u00e8re de paiements fluides et s\u00e9curis\u00e9s.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-955176d elementor-section-full_width elementor-section-content-bottom BgFull elementor-section-height-default elementor-section-height-default\" data-id=\"955176d\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;shape_divider_top&quot;:&quot;waves&quot;,&quot;shape_divider_bottom&quot;:&quot;waves&quot;}\">\n\t\t\t\t\t<div class=\"elementor-shape elementor-shape-top\" aria-hidden=\"true\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" d=\"M421.9,6.5c22.6-2.5,51.5,0.4,75.5,5.3c23.6,4.9,70.9,23.5,100.5,35.7c75.8,32.2,133.7,44.5,192.6,49.7\n\tc23.6,2.1,48.7,3.5,103.4-2.5c54.7-6,106.2-25.6,106.2-25.6V0H0v30.3c0,0,72,32.6,158.4,30.5c39.2-0.7,92.8-6.7,134-22.4\n\tc21.2-8.1,52.2-18.2,79.7-24.2C399.3,7.9,411.6,7.5,421.9,6.5z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t<div class=\"elementor-shape elementor-shape-bottom\" aria-hidden=\"true\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" d=\"M421.9,6.5c22.6-2.5,51.5,0.4,75.5,5.3c23.6,4.9,70.9,23.5,100.5,35.7c75.8,32.2,133.7,44.5,192.6,49.7\n\tc23.6,2.1,48.7,3.5,103.4-2.5c54.7-6,106.2-25.6,106.2-25.6V0H0v30.3c0,0,72,32.6,158.4,30.5c39.2-0.7,92.8-6.7,134-22.4\n\tc21.2-8.1,52.2-18.2,79.7-24.2C399.3,7.9,411.6,7.5,421.9,6.5z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-684fde9 elementor-invisible\" data-id=\"684fde9\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-5c62468 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5c62468\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-6ffe7d6\" data-id=\"6ffe7d6\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6b5351f elementor-widget elementor-widget-heading\" data-id=\"6b5351f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">C'est quoi le paiement instantan\u00e9 ?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-af24043 elementor-widget elementor-widget-text-editor\" data-id=\"af24043\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"https:\/\/www.surepay.eu\/why-instant-payments-the-connection-between-instant-payments-and-verification-of-payee-vop\/\">Le paiement instantan\u00e9<\/a>\u00a0est\u00a0un paiement \u00e9lectronique qui est trait\u00e9 et ex\u00e9cut\u00e9 presque imm\u00e9diatement, 24 heures sur 24 et 365 jours par an. Contrairement aux virements bancaires traditionnels, qui prennent des heures, voire des jours, les paiements instantan\u00e9s garantissent que l&rsquo;argent est disponible dans les secondes qui suivent la transaction.<\/p><p><\/p><p>Parmi les principales caract\u00e9ristiques du paiement instantan\u00e9, on peut citer :<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fdac476 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"fdac476\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><span style=\"font-weight:600\" data-token-index=\"0\" class=\"notion-enable-hover\">Rapidit\u00e9<\/span> : les transactions sont trait\u00e9es en temps r\u00e9el.<!-- notionvc: 812e02ae-28e4-4a27-a8c8-f0d248d9b24f --><\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><span style=\"font-weight:600\" data-token-index=\"0\" class=\"notion-enable-hover\">Disponibilit\u00e9<\/span> : le paiement peut \u00eatre effectu\u00e9 et re\u00e7u \u00e0 tout moment, y compris les week-ends et les jours f\u00e9ri\u00e9s.<!-- notionvc: e480b1e9-e6ed-4aa9-88c1-bb402c2b5856 --><\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><span style=\"font-weight:600\" data-token-index=\"0\" class=\"notion-enable-hover\">S\u00e9curit\u00e9<\/span> : une fois le paiement trait\u00e9, il ne peut plus \u00eatre annul\u00e9 et est donc d\u00e9finitif.<!-- notionvc: e873f404-d170-427f-8f5e-9bd22487c9d7 --><\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><span style=\"font-weight:600\" data-token-index=\"0\" class=\"notion-enable-hover\">Couverture<\/span> : le paiement instantan\u00e9 est actuellement propos\u00e9 dans la zone SEPA et est de plus en plus r\u00e9pandu dans le monde entier.<!-- notionvc: 4384a55d-b03b-4420-a87f-b424063bcc80 --><\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-42373ca\" data-id=\"42373ca\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-01a563a elementor-widget elementor-widget-text-editor\" data-id=\"01a563a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Cette rapidit\u00e9 et cette fiabilit\u00e9 sont essentielles pour les entreprises et les consommateurs, car elles permettent d&rsquo;acc\u00e9l\u00e9rer les transactions, de r\u00e9duire les probl\u00e8mes de tr\u00e9sorerie et d&rsquo;am\u00e9liorer l&rsquo;exp\u00e9rience de paiement dans son ensemble. Cependant, une telle efficacit\u00e9 n\u00e9cessite des syst\u00e8mes robustes et des mesures de s\u00e9curit\u00e9 strictes, qui sont au c\u0153ur de la propri\u00e9t\u00e9 intellectuelle.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b441f88 elementor-widget elementor-widget-video\" data-id=\"b441f88\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/youtu.be\\\/AD1LxeQ9nyQ?si=slZ93kCyb9y2eWxh&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-87209e8 elementor-widget elementor-widget-text-editor\" data-id=\"87209e8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><em>Regardez la vid\u00e9o dans laquelle Eelco Rietveld, expert en paiements instantan\u00e9s, explique le r\u00e8glement sur les paiements instantan\u00e9s.<\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-9631631 e-flex e-con-boxed e-con e-parent\" data-id=\"9631631\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-da3a074 elementor-widget elementor-widget-heading\" data-id=\"da3a074\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\"><span data-token-index=\"0\" class=\"notion-enable-hover\">Pourquoi l'IPR est-il important pour les banques et les prestataires de services de paiement ?<\/span><!-- notionvc: 16d73040-4acd-4838-8ebb-761185ffea24 --><\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6b9236c elementor-widget elementor-widget-text-editor\" data-id=\"6b9236c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>L&rsquo;IPR est obligatoire pour tous les prestataires de services de paiement (PSP) \u00e9tablis dans l&rsquo;UE. Le respect de ces r\u00e8gles <span class=\"notion-enable-hover\" style=\"font-weight: 600;\" data-token-index=\"1\">\u00e9vite non seulement des sanctions juridiques<\/span>, mais garantit \u00e9galement que <span class=\"notion-enable-hover\" style=\"font-weight: 600;\" data-token-index=\"3\">votre entreprise reste comp\u00e9titive dans un \u00e9cosyst\u00e8me financier en pleine \u00e9volution<\/span>. Une caract\u00e9ristique essentielle de l&rsquo;IPR est la <a class=\"notion-link-token notion-focusable-token notion-enable-hover\" style=\"cursor: pointer; color: inherit; word-wrap: break-word; text-decoration: inherit;\" tabindex=\"0\" href=\"https:\/\/www.surepay.eu\/verification-of-payee-in-the-eu\/\" rel=\"noopener noreferrer\" data-token-index=\"5\"><span class=\"link-annotation-unknown-block-id--354520926\" style=\"text-decoration-line: underline; text-decoration-thickness: 0.05em; text-decoration-color: rgba(55, 53, 47, 0.4); text-underline-offset: 10%; opacity: 0.7;\">v\u00e9rification du b\u00e9n\u00e9ficiaire (VoP)<\/span><\/a>, un outil important pour <span class=\"notion-enable-hover\" style=\"font-weight: 600;\" data-token-index=\"7\">pr\u00e9venir la fraude et les erreurs de paiement<\/span> en v\u00e9rifiant les informations du b\u00e9n\u00e9ficiaire avant la fin de la transaction.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-5719914 elementor-section-full_width elementor-section-content-bottom BgFull elementor-section-height-default elementor-section-height-default\" data-id=\"5719914\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;shape_divider_bottom&quot;:&quot;waves&quot;}\">\n\t\t\t\t\t<div class=\"elementor-shape elementor-shape-bottom\" aria-hidden=\"true\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" d=\"M421.9,6.5c22.6-2.5,51.5,0.4,75.5,5.3c23.6,4.9,70.9,23.5,100.5,35.7c75.8,32.2,133.7,44.5,192.6,49.7\n\tc23.6,2.1,48.7,3.5,103.4-2.5c54.7-6,106.2-25.6,106.2-25.6V0H0v30.3c0,0,72,32.6,158.4,30.5c39.2-0.7,92.8-6.7,134-22.4\n\tc21.2-8.1,52.2-18.2,79.7-24.2C399.3,7.9,411.6,7.5,421.9,6.5z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-77752bd elementor-invisible\" data-id=\"77752bd\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-c798640 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c798640\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-a306a51\" data-id=\"a306a51\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-03f960f elementor-widget elementor-widget-heading\" data-id=\"03f960f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span data-token-index=\"0\" class=\"notion-enable-hover\">Calendrier de mise en \u0153uvre du r\u00e8glement sur les paiements instantan\u00e9s<\/span><!-- notionvc: 773358a6-cef9-4907-9d39-be23f2b19e0c --><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0efb1a8 elementor-widget elementor-widget-heading\" data-id=\"0efb1a8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\"><span data-token-index=\"0\" class=\"notion-enable-hover\">Dates cl\u00e9s<\/span><!-- notionvc: 992d1362-ed1d-4faa-b639-e10fdf70cb59 --><\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-91a43f6 elementor-widget elementor-widget-text-editor\" data-id=\"91a43f6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>La Commission europ\u00e9enne a fix\u00e9 des d\u00e9lais clairs pour la mise en conformit\u00e9 avec l&rsquo;IPR :<\/p><p><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0e48f06 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"0e48f06\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><span style=\"font-weight:600\" data-token-index=\"0\" class=\"notion-enable-hover\">Mars 2024<\/span> : premi\u00e8res \u00e9ch\u00e9ances pour l'int\u00e9gration des mesures de conformit\u00e9 fondamentales.<!-- notionvc: 291d8be4-2e1e-48d7-87be-62cd5953bbc8 --><\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><span style=\"font-weight:600\" data-token-index=\"0\" class=\"notion-enable-hover\">2025<\/span> : conformit\u00e9 totale pour toutes les entreprises r\u00e9glement\u00e9es, y compris la mise en \u0153uvre de la VoP.<!-- notionvc: b9bd8991-dcaa-4ae0-a871-e7927668c959 --><\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-06d9d58 elementor-widget elementor-widget-heading\" data-id=\"06d9d58\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\"><span data-token-index=\"0\" class=\"notion-enable-hover\">Pourquoi commencer t\u00f4t ?<\/span><!-- notionvc: 446be72c-fc44-449f-975d-efb6cf5aec19 --><\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-21b6e98 elementor-widget elementor-widget-text-editor\" data-id=\"21b6e98\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Tout retard dans les efforts de mise en conformit\u00e9 peut entra\u00eener une mise en \u0153uvre pr\u00e9cipit\u00e9e, ce qui augmente le risque d&rsquo;erreurs et de perturbations op\u00e9rationnelles. Une adaptation pr\u00e9coce garantit que vos syst\u00e8mes seront pr\u00eats \u00e0 temps, minimise les risques de mise en jeu de la responsabilit\u00e9<\/p><p>Et renforce la position de votre banque en tant que partenaire financier de confiance.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-4aed683 elementor-section-full_width elementor-section-content-bottom BgFull elementor-section-height-default elementor-section-height-default\" data-id=\"4aed683\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;shape_divider_top&quot;:&quot;waves&quot;,&quot;shape_divider_bottom&quot;:&quot;waves&quot;}\">\n\t\t\t\t\t<div class=\"elementor-shape elementor-shape-top\" aria-hidden=\"true\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" d=\"M421.9,6.5c22.6-2.5,51.5,0.4,75.5,5.3c23.6,4.9,70.9,23.5,100.5,35.7c75.8,32.2,133.7,44.5,192.6,49.7\n\tc23.6,2.1,48.7,3.5,103.4-2.5c54.7-6,106.2-25.6,106.2-25.6V0H0v30.3c0,0,72,32.6,158.4,30.5c39.2-0.7,92.8-6.7,134-22.4\n\tc21.2-8.1,52.2-18.2,79.7-24.2C399.3,7.9,411.6,7.5,421.9,6.5z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t<div class=\"elementor-shape elementor-shape-bottom\" aria-hidden=\"true\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" d=\"M421.9,6.5c22.6-2.5,51.5,0.4,75.5,5.3c23.6,4.9,70.9,23.5,100.5,35.7c75.8,32.2,133.7,44.5,192.6,49.7\n\tc23.6,2.1,48.7,3.5,103.4-2.5c54.7-6,106.2-25.6,106.2-25.6V0H0v30.3c0,0,72,32.6,158.4,30.5c39.2-0.7,92.8-6.7,134-22.4\n\tc21.2-8.1,52.2-18.2,79.7-24.2C399.3,7.9,411.6,7.5,421.9,6.5z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5a45a1d elementor-invisible\" data-id=\"5a45a1d\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-e382c75 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e382c75\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-f51afe1\" data-id=\"f51afe1\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-774f93c elementor-widget elementor-widget-heading\" data-id=\"774f93c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Quelles sont les exigences de l'IPR ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-85cf9f3 elementor-widget elementor-widget-text-editor\" data-id=\"85cf9f3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>La conformit\u00e9 \u00e0 l&rsquo;IPR n\u00e9cessite des modifications importantes des processus de paiement.<\/p><p>Voici les principales exigences :<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aae7eb3 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"aae7eb3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><span style=\"font-weight:600\" data-token-index=\"0\" class=\"notion-enable-hover\">Couverture de tous les canaux<\/span> : les demandes de VoP doivent \u00eatre disponibles dans tous les canaux d'initiation de paiement, sans frais suppl\u00e9mentaires pour les utilisateurs.<!-- notionvc: 4ecd8597-249d-4caa-a749-a44aba3353e6 --><\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><span style=\"font-weight:600\" data-token-index=\"0\" class=\"notion-enable-hover\">Prise en charge de plusieurs types de transactions<\/span> : les virements instantan\u00e9s et les virements classiques n\u00e9cessitent une v\u00e9rification VoP.<!-- notionvc: 4521ef6f-ac8e-4a4a-b150-4bfe65def3ac --><\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.surepay.eu\/the-hidden-risks-in-batch-payments-why-eu-banks-need-verification-of-payee\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><span style=\"font-weight:600\" data-token-index=\"0\" class=\"notion-enable-hover\">Fonctions de paiement par <\/span><span style=\"font-weight:600\" data-token-index=\"1\" class=\"discussion-id-2411b43e-6dc1-803c-bf41-001c1735c467 notion-enable-hover\">lots<\/span> : les banques doivent permettre les v\u00e9rifications VoP pour les paiements individuels et par <span data-token-index=\"3\" class=\"discussion-id-2411b43e-6dc1-8069-b47d-001cfa150ae3 notion-enable-hover\">lots<\/span>, une option <span data-token-index=\"5\" class=\"discussion-id-2411b43e-6dc1-8060-a2a0-001c1db00ea7 notion-enable-hover\">d'adh\u00e9sion<\/span> ou de <span data-token-index=\"7\" class=\"discussion-id-2411b43e-6dc1-8058-b7b3-001c94b03cf7 notion-enable-hover\">refus<\/span> devant \u00eatre disponible pour ces derniers.<!-- notionvc: 0d86d40a-d060-4cb8-a671-91f7fe9cf462 --><\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><span style=\"font-weight:600\" data-token-index=\"0\" class=\"notion-enable-hover\">V\u00e9rifications pr\u00e9alables \u00e0 l'autorisation<\/span> : chaque transaction doit faire l'objet d'une v\u00e9rification VoP avant l'autorisation du paiement.<!-- notionvc: f10ffc7e-ad66-4c35-9e02-a87ceb6cde83 --><\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><span style=\"font-weight:600\" data-token-index=\"0\" class=\"notion-enable-hover\">R\u00e9ponse aux demandes VoP<\/span> : en tant que prestataires de services de paiement du b\u00e9n\u00e9ficiaire, les banques doivent traiter les demandes VoP entrantes afin d'\u00e9viter tout risque de responsabilit\u00e9 et de prot\u00e9ger leurs clients.<!-- notionvc: 1c2f68a5-fa79-42b2-9f58-23265f03191e --><\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9e218a2 elementor-widget elementor-widget-text-editor\" data-id=\"9e218a2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Ces exigences n\u00e9cessitent une infrastructure techniquement performante et des adaptations importantes des processus. Vous trouverez de plus amples informations sur ces exigences dans le <a class=\"notion-link-token notion-focusable-token notion-enable-hover\" tabindex=\"0\" href=\"https:\/\/www.europeanpaymentscouncil.eu\/document-library\/rulebooks\/verification-payee-scheme-rulebook\" rel=\"noopener noreferrer\" data-token-index=\"1\"><span class=\"link-annotation-unknown-block-id--551740435\">guide VoP de l&rsquo;EPC<\/span><\/a>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-32ca761\" data-id=\"32ca761\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-144f0fc elementor-align-center elementor-widget elementor-widget-lottie\" data-id=\"144f0fc\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;source_json&quot;:{&quot;url&quot;:&quot;https:\\\/\\\/www.surepay.eu\\\/wp-content\\\/uploads\\\/2024\\\/09\\\/verification-of-payee-Europeen.json&quot;,&quot;id&quot;:17145,&quot;size&quot;:&quot;&quot;,&quot;alt&quot;:&quot;&quot;,&quot;source&quot;:&quot;library&quot;},&quot;source&quot;:&quot;media_file&quot;,&quot;caption_source&quot;:&quot;none&quot;,&quot;link_to&quot;:&quot;none&quot;,&quot;trigger&quot;:&quot;arriving_to_viewport&quot;,&quot;viewport&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:{&quot;start&quot;:0,&quot;end&quot;:100}},&quot;play_speed&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:1,&quot;sizes&quot;:[]},&quot;start_point&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:0,&quot;sizes&quot;:[]},&quot;end_point&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:100,&quot;sizes&quot;:[]},&quot;renderer&quot;:&quot;svg&quot;}\" data-widget_type=\"lottie.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"e-lottie__container\"><div class=\"e-lottie__animation\"><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-e4490a0 elementor-section-full_width elementor-section-content-bottom BgFull elementor-section-height-default elementor-section-height-default\" data-id=\"e4490a0\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;shape_divider_bottom&quot;:&quot;waves&quot;}\">\n\t\t\t\t\t<div class=\"elementor-shape elementor-shape-bottom\" aria-hidden=\"true\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" d=\"M421.9,6.5c22.6-2.5,51.5,0.4,75.5,5.3c23.6,4.9,70.9,23.5,100.5,35.7c75.8,32.2,133.7,44.5,192.6,49.7\n\tc23.6,2.1,48.7,3.5,103.4-2.5c54.7-6,106.2-25.6,106.2-25.6V0H0v30.3c0,0,72,32.6,158.4,30.5c39.2-0.7,92.8-6.7,134-22.4\n\tc21.2-8.1,52.2-18.2,79.7-24.2C399.3,7.9,411.6,7.5,421.9,6.5z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2cd9212 elementor-invisible\" data-id=\"2cd9212\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-3bc7808 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3bc7808\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-0d8eed4\" data-id=\"0d8eed4\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b41401e elementor-widget elementor-widget-heading\" data-id=\"b41401e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span data-token-index=\"0\" class=\"notion-enable-hover\">Avantages du r\u00e8glement sur les paiements instantan\u00e9s<\/span><!-- notionvc: 185c5e10-4631-4c0a-9db9-7fa3adf3e488 --><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-03a40bd elementor-widget elementor-widget-text-editor\" data-id=\"03a40bd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Le r\u00e8glement sur les paiements instantan\u00e9s (IPR) apporte des avantages consid\u00e9rables tant aux \u00e9tablissements financiers qu&rsquo;aux utilisateurs finaux et am\u00e9liore fondamentalement la rapidit\u00e9, la s\u00e9curit\u00e9 et l&rsquo;accessibilit\u00e9 des syst\u00e8mes de paiement dans toute l&rsquo;UE.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4bbb1b3 elementor-widget elementor-widget-heading\" data-id=\"4bbb1b3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\"><span data-token-index=\"0\" class=\"notion-enable-hover\">Pour les banques et les prestataires de services de paiement<\/span><!-- notionvc: 4c7aa3f2-c34a-49ec-aac9-11652e09ca43 --><\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7b16ec1 elementor-widget elementor-widget-text-editor\" data-id=\"7b16ec1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>L&rsquo;IPR favorise l&rsquo;innovation et offre des avantages op\u00e9rationnels aux \u00e9tablissements financiers, notamment :<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7c62281 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"7c62281\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><span style=\"font-weight:600\" data-token-index=\"0\" class=\"notion-enable-hover\">R\u00e9duction de la fraude et minimisation de la responsabilit\u00e9<\/span>:<br>la <a href=\"https:\/\/www.surepay.eu\/verification-of-payee-in-the-eu\/\" style=\"cursor:pointer;color:inherit;text-decoration:inherit\" class=\"notion-link-token notion-focusable-token notion-enable-hover\" rel=\"noopener noreferrer\" data-token-index=\"2\"><span style=\"opacity: 0.7\" class=\"link-annotation-unknown-block-id--354520926\">v\u00e9rification du b\u00e9n\u00e9ficiaire<\/span><\/a> r\u00e9duit le risque d'erreurs d'acheminement et de <a href=\"https:\/\/www.surepay.eu\/how-vop-and-consumer-awareness-can-help-prevent-app-fraud\/\" style=\"cursor:pointer;color:inherit;text-decoration:inherit\" class=\"notion-link-token notion-focusable-token notion-enable-hover\" rel=\"noopener noreferrer\" data-token-index=\"4\"><span style=\"opacity: 0.7\" class=\"link-annotation-unknown-block-id--498712077\">fraude<\/span><\/a> associ\u00e9e, permet de r\u00e9duire les co\u00fbts et renforce la confiance.<!-- notionvc: b5fc7897-849c-4a5a-b4aa-a57609d9638d --><\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><span style=\"font-weight:600\" data-token-index=\"0\">Optimisation des transactions nationales et transfrontali\u00e8res<\/span>: la normalisation au sein du SEPA simplifie la conformit\u00e9 et les processus op\u00e9rationnels, ce qui r\u00e9duit la complexit\u00e9 et les co\u00fbts.<!-- notionvc: b9a7bcbc-10ac-4ec7-bb1e-1d84cf5a9245 --><\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><span style=\"font-weight:600\" data-token-index=\"0\" class=\"notion-enable-hover\">Possibilit\u00e9s de se d\u00e9marquer de la concurrence<\/span> : <span data-token-index=\"2\" class=\"discussion-id-2411b43e-6dc1-80fd-8df9-001c181007e8 notion-enable-hover\">gr\u00e2ce \u00e0 une mise en \u0153uvre pr\u00e9coce, les banques peuvent se positionner comme des pionniers dans le domaine des paiements instantan\u00e9s, acqu\u00e9rir de nouveaux clients et renforcer la relation client.<\/span><!-- notionvc: f3f415f4-8e82-4f8b-8cc5-3f1da11fc8d1 --><\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><span style=\"font-weight:600\" data-token-index=\"0\" class=\"notion-enable-hover\">Rentabilit\u00e9 gr\u00e2ce \u00e0 la modernisation<\/span> : l'am\u00e9lioration de l'infrastructure permet de r\u00e9aliser des \u00e9conomies \u00e0 long terme et d'offrir des solutions de paiement innovantes.<!-- notionvc: 203b52d0-06fe-4425-a2dd-a430bf8d0276 --><\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-444ae43 elementor-widget elementor-widget-image\" data-id=\"444ae43\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"1000\" src=\"https:\/\/www.surepay.eu\/wp-content\/uploads\/2025\/01\/Instant-Payments-are-here-but-speed-alone-is-not-enough-819x1024.jpg\" class=\"attachment-large size-large wp-image-19421\" alt=\"Visual that shows 2 paths. One says \u201cVOP\u201d and ends at \u201csuccessful verification\u201d. The other says \u201cNo VOP\u201d and ends at \u201cPotential error or fraud\u201d.\" srcset=\"https:\/\/www.surepay.eu\/wp-content\/uploads\/2025\/01\/Instant-Payments-are-here-but-speed-alone-is-not-enough-819x1024.jpg 819w, https:\/\/www.surepay.eu\/wp-content\/uploads\/2025\/01\/Instant-Payments-are-here-but-speed-alone-is-not-enough-240x300.jpg 240w, https:\/\/www.surepay.eu\/wp-content\/uploads\/2025\/01\/Instant-Payments-are-here-but-speed-alone-is-not-enough-768x960.jpg 768w, https:\/\/www.surepay.eu\/wp-content\/uploads\/2025\/01\/Instant-Payments-are-here-but-speed-alone-is-not-enough-1229x1536.jpg 1229w, https:\/\/www.surepay.eu\/wp-content\/uploads\/2025\/01\/Instant-Payments-are-here-but-speed-alone-is-not-enough.jpg 1536w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8946b5a elementor-widget elementor-widget-heading\" data-id=\"8946b5a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\"><span data-token-index=\"0\" class=\"notion-enable-hover\">Pour les consommateurs et les entreprises<\/span><!-- notionvc: f86784dd-4820-42c8-bb29-85cbad3e4874 --><\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e20eb1e elementor-widget elementor-widget-text-editor\" data-id=\"e20eb1e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>L&rsquo;IPR offre de nombreux avantages aux utilisateurs finaux :<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8b96ad8 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"8b96ad8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><span style=\"font-weight:600\" data-token-index=\"0\" class=\"notion-enable-hover\">Transactions en temps r\u00e9el<\/span> : les paiements sont trait\u00e9s en quelques secondes, 24 heures sur 24, ce qui \u00e9vite les retards li\u00e9s aux week-ends ou aux heures d'ouverture des banques.<!-- notionvc: 6c1e2ff8-1dcc-4cc3-8a1f-a9bb5395cf6d --><\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><span style=\"font-weight:600\" data-token-index=\"0\" class=\"notion-enable-hover\">Am\u00e9lioration de la tr\u00e9sorerie des entreprises<\/span> : les PME et autres entreprises b\u00e9n\u00e9ficient d'un acc\u00e8s plus rapide aux financements, ce qui am\u00e9liore leur flexibilit\u00e9 op\u00e9rationnelle.<!-- notionvc: 89e4230f-fab4-4c69-a50a-6ecfcea56c7a --><\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><span style=\"font-weight:600\" data-token-index=\"0\" class=\"notion-enable-hover\">Am\u00e9lioration de la pr\u00e9vention de la fraude<\/span> : des m\u00e9canismes tels que la VoP garantissent que les paiements parviennent au bon destinataire, ce qui renforce la confiance dans le syst\u00e8me de paiement.<!-- notionvc: a5f43e03-ff9d-469d-a794-b3aa971e6cd0 --><\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><span style=\"font-weight:600\" data-token-index=\"0\" class=\"notion-enable-hover\">Une plus grande inclusion financi\u00e8re<\/span> : des services de paiement accessibles et abordables sont mis \u00e0 la disposition d'un public plus large, ce qui renforce la position des particuliers et des entreprises de toutes tailles.<!-- notionvc: 81bdcba7-762a-400b-8980-cff90d6bf4d2 --><\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-fba9250 elementor-section-full_width elementor-section-content-bottom BgFull elementor-section-height-default elementor-section-height-default\" data-id=\"fba9250\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;shape_divider_bottom&quot;:&quot;waves&quot;,&quot;shape_divider_top&quot;:&quot;waves&quot;}\">\n\t\t\t\t\t<div class=\"elementor-shape elementor-shape-top\" aria-hidden=\"true\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" d=\"M421.9,6.5c22.6-2.5,51.5,0.4,75.5,5.3c23.6,4.9,70.9,23.5,100.5,35.7c75.8,32.2,133.7,44.5,192.6,49.7\n\tc23.6,2.1,48.7,3.5,103.4-2.5c54.7-6,106.2-25.6,106.2-25.6V0H0v30.3c0,0,72,32.6,158.4,30.5c39.2-0.7,92.8-6.7,134-22.4\n\tc21.2-8.1,52.2-18.2,79.7-24.2C399.3,7.9,411.6,7.5,421.9,6.5z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t<div class=\"elementor-shape elementor-shape-bottom\" aria-hidden=\"true\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" d=\"M421.9,6.5c22.6-2.5,51.5,0.4,75.5,5.3c23.6,4.9,70.9,23.5,100.5,35.7c75.8,32.2,133.7,44.5,192.6,49.7\n\tc23.6,2.1,48.7,3.5,103.4-2.5c54.7-6,106.2-25.6,106.2-25.6V0H0v30.3c0,0,72,32.6,158.4,30.5c39.2-0.7,92.8-6.7,134-22.4\n\tc21.2-8.1,52.2-18.2,79.7-24.2C399.3,7.9,411.6,7.5,421.9,6.5z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0122288 elementor-invisible\" data-id=\"0122288\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-7e31bd4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7e31bd4\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-4085d81\" data-id=\"4085d81\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1c45edc elementor-widget elementor-widget-heading\" data-id=\"1c45edc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span data-token-index=\"0\" class=\"notion-enable-hover\">D\u00e9fis communs pour les banques en mati\u00e8re de conformit\u00e9 aux DPI<\/span><!-- notionvc: fceabd70-626e-4d76-a9a6-4d97b59232f5 --><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e297633 elementor-widget elementor-widget-heading\" data-id=\"e297633\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\"><span data-token-index=\"0\" class=\"notion-enable-hover\">Syst\u00e8mes et infrastructures obsol\u00e8tes<\/span><!-- notionvc: f32f4f66-16bd-4ec1-8e9d-17b7e8e925bd --><\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e6b193e elementor-widget elementor-widget-text-editor\" data-id=\"e6b193e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>De nombreuses banques s&rsquo;appuient sur des syst\u00e8mes obsol\u00e8tes qui ne sont pas con\u00e7us pour la complexit\u00e9 et la rapidit\u00e9 des paiements en temps r\u00e9el. La mise \u00e0 niveau de ces syst\u00e8mes afin qu&rsquo;ils puissent fonctionner 24 heures sur 24, 7 jours sur 7 et traiter des volumes de transactions \u00e9lev\u00e9s est \u00e0 la fois co\u00fbteuse et longue.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b3df5f1 elementor-widget elementor-widget-heading\" data-id=\"b3df5f1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\"><span data-token-index=\"0\" class=\"notion-enable-hover\">Pression sur les syst\u00e8mes informatiques<\/span><!-- notionvc: 22dd70be-96f6-4a4f-87db-7581f7d31fd6 --><\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-66baf97 elementor-widget elementor-widget-text-editor\" data-id=\"66baf97\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span class=\"discussion-id-2411b43e-6dc1-800b-90e2-001c15284f35 notion-enable-hover\" data-token-index=\"0\">Le traitement des paiements en temps r\u00e9el impose des exigences \u00e9lev\u00e9es \u00e0 l&rsquo;infrastructure informatique, car les syst\u00e8mes doivent fonctionner sans heurts m\u00eame sous une charge importante.<\/span> Cela pose des d\u00e9fis aux \u00e9quipes informatiques qui ont d\u00e9j\u00e0 d&rsquo;autres priorit\u00e9s \u00e0 g\u00e9rer.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c95f49a elementor-widget elementor-widget-heading\" data-id=\"c95f49a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\"><span data-token-index=\"0\" class=\"notion-enable-hover\">Confidentialit\u00e9 et s\u00e9curit\u00e9<\/span><!-- notionvc: 3acd22fb-b1c8-425f-95c3-7dffa560dbb5 --><\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5a47c9c elementor-widget elementor-widget-text-editor\" data-id=\"5a47c9c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Lors des paiements en temps r\u00e9el, les banques doivent s&rsquo;assurer que les donn\u00e9es des clients sont trait\u00e9es en toute s\u00e9curit\u00e9 et conform\u00e9ment aux r\u00e8gles strictes du RGPD. Le respect de ces exigences n\u00e9cessite des investissements consid\u00e9rables en mati\u00e8re de technologie et de processus afin de pr\u00e9venir les violations de donn\u00e9es et de garantir la conformit\u00e9 r\u00e9glementaire.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-96a1d38 elementor-widget elementor-widget-heading\" data-id=\"96a1d38\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\"><span data-token-index=\"0\" class=\"notion-enable-hover\">Perception des co\u00fbts<\/span><!-- notionvc: 045cc404-0fb9-4595-a1f4-84e9080221ac --><\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cf66119 elementor-widget elementor-widget-text-editor\" data-id=\"cf66119\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>La mise en conformit\u00e9 peut \u00eatre consid\u00e9r\u00e9e comme co\u00fbteuse, en particulier pour les petites banques. Outre les investissements initiaux dans la technologie, il faut compter les co\u00fbts r\u00e9currents li\u00e9s \u00e0 la maintenance du syst\u00e8me, aux mises \u00e0 niveau et au personnel suppl\u00e9mentaire.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a9209a8 elementor-widget elementor-widget-heading\" data-id=\"a9209a8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\"><span data-token-index=\"0\" class=\"notion-enable-hover\">Dilemme \u00ab construire ou acheter \u00bb<\/span><!-- notionvc: 325cddbd-4485-4983-9180-a46c86b80ee5 --><\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-825b9bb elementor-widget elementor-widget-text-editor\" data-id=\"825b9bb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Les banques sont confront\u00e9es \u00e0 une d\u00e9cision importante : d\u00e9velopper une solution <a class=\"notion-link-token notion-focusable-token notion-enable-hover\" tabindex=\"0\" href=\"https:\/\/www.surepay.eu\/verification-of-payee-in-the-eu\/\" rel=\"noopener noreferrer\" data-token-index=\"1\"><span class=\"link-annotation-unknown-block-id--354520926\">VoP<\/span><\/a> en interne ou acheter une solution aupr\u00e8s d&rsquo;un fournisseur tiers. Le d\u00e9veloppement en interne offre un contr\u00f4le, mais n\u00e9cessite des ressources consid\u00e9rables, tandis que les solutions tierces impliquent de trouver un fournisseur qui r\u00e9ponde aux besoins de la banque et s&rsquo;int\u00e8gre de mani\u00e8re transparente aux syst\u00e8mes existants.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-06a3343 elementor-widget elementor-widget-image\" data-id=\"06a3343\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.surepay.eu\/request-a-demo\/\" target=\"_blank\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1920\" height=\"1080\" src=\"https:\/\/www.surepay.eu\/wp-content\/uploads\/2025\/01\/SurePay-Single-Images.jpg\" class=\"attachment-full size-full wp-image-19461\" alt=\"\" srcset=\"https:\/\/www.surepay.eu\/wp-content\/uploads\/2025\/01\/SurePay-Single-Images.jpg 1920w, https:\/\/www.surepay.eu\/wp-content\/uploads\/2025\/01\/SurePay-Single-Images-300x169.jpg 300w, https:\/\/www.surepay.eu\/wp-content\/uploads\/2025\/01\/SurePay-Single-Images-1024x576.jpg 1024w, https:\/\/www.surepay.eu\/wp-content\/uploads\/2025\/01\/SurePay-Single-Images-768x432.jpg 768w, https:\/\/www.surepay.eu\/wp-content\/uploads\/2025\/01\/SurePay-Single-Images-1536x864.jpg 1536w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-219a6b5 elementor-section-full_width elementor-section-content-bottom BgFull elementor-section-height-default elementor-section-height-default\" data-id=\"219a6b5\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;shape_divider_top&quot;:&quot;waves&quot;,&quot;shape_divider_bottom&quot;:&quot;waves&quot;}\">\n\t\t\t\t\t<div class=\"elementor-shape elementor-shape-top\" aria-hidden=\"true\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" d=\"M421.9,6.5c22.6-2.5,51.5,0.4,75.5,5.3c23.6,4.9,70.9,23.5,100.5,35.7c75.8,32.2,133.7,44.5,192.6,49.7\n\tc23.6,2.1,48.7,3.5,103.4-2.5c54.7-6,106.2-25.6,106.2-25.6V0H0v30.3c0,0,72,32.6,158.4,30.5c39.2-0.7,92.8-6.7,134-22.4\n\tc21.2-8.1,52.2-18.2,79.7-24.2C399.3,7.9,411.6,7.5,421.9,6.5z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t<div class=\"elementor-shape elementor-shape-bottom\" aria-hidden=\"true\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" d=\"M421.9,6.5c22.6-2.5,51.5,0.4,75.5,5.3c23.6,4.9,70.9,23.5,100.5,35.7c75.8,32.2,133.7,44.5,192.6,49.7\n\tc23.6,2.1,48.7,3.5,103.4-2.5c54.7-6,106.2-25.6,106.2-25.6V0H0v30.3c0,0,72,32.6,158.4,30.5c39.2-0.7,92.8-6.7,134-22.4\n\tc21.2-8.1,52.2-18.2,79.7-24.2C399.3,7.9,411.6,7.5,421.9,6.5z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f39a60d elementor-invisible\" data-id=\"f39a60d\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7afdb2e elementor-widget elementor-widget-heading\" data-id=\"7afdb2e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Comment choisir le bon fournisseur de solutions IPR<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-ea241bf elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ea241bf\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-5fdf9ef\" data-id=\"5fdf9ef\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6fa69d6 elementor-widget elementor-widget-heading\" data-id=\"6fa69d6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Conformit\u00e9 r\u00e9glementaire<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8986013 elementor-widget elementor-widget-text-editor\" data-id=\"8986013\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Assurez-vous que le fournisseur respecte pleinement les r\u00e8gles du Conseil europ\u00e9en des paiements (EPC) et propose une solution conforme aux exigences en mati\u00e8re de paiements instantan\u00e9s.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a09cad7 elementor-widget elementor-widget-heading\" data-id=\"a09cad7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">\u00c9volutivit\u00e9 et fiabilit\u00e9<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3c5bdfd elementor-widget elementor-widget-text-editor\" data-id=\"3c5bdfd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Choisissez un fournisseur dont la solution est capable de g\u00e9rer des volumes de transactions croissants sans perte de performance. Un syst\u00e8me \u00e9volutif garantit la rentabilit\u00e9 de votre investissement m\u00eame si vos besoins augmentent.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e2bf05c elementor-widget elementor-widget-heading\" data-id=\"e2bf05c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\"><span data-token-index=\"0\" class=\"notion-enable-hover\">Int\u00e9gration transparente<\/span><!-- notionvc: ec8c83e9-bd3e-4a58-b6ef-9701fb4095f6 --><\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4071e06 elementor-widget elementor-widget-text-editor\" data-id=\"4071e06\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Recherchez une solution qui s&rsquo;int\u00e8gre facilement \u00e0 vos syst\u00e8mes existants et prend en charge plusieurs syst\u00e8mes de paiement tels que SEPA et SWIFT. Cela minimise les perturbations et augmente l&rsquo;efficacit\u00e9 op\u00e9rationnelle.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-5c3cfa7\" data-id=\"5c3cfa7\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-957ba06 elementor-widget elementor-widget-heading\" data-id=\"957ba06\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">V\u00e9rification tr\u00e8s pr\u00e9cise<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b31e91e elementor-widget elementor-widget-text-editor\" data-id=\"b31e91e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span class=\"discussion-id-2411b43e-6dc1-80c0-9d7f-001cbf8f017a notion-enable-hover\" data-token-index=\"0\">La solution ad\u00e9quate doit fournir des informations d\u00e9taill\u00e9es sur les incoh\u00e9rences et distinguer les erreurs mineures, telles que les fautes de frappe, des probl\u00e8mes graves. Cela contribue \u00e0 r\u00e9duire les rejets inutiles et \u00e0 am\u00e9liorer la convivialit\u00e9.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-28cb994 elementor-widget elementor-widget-heading\" data-id=\"28cb994\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Une exp\u00e9rience \u00e9prouv\u00e9e<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-60b132a elementor-widget elementor-widget-text-editor\" data-id=\"60b132a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Optez pour un fournisseur qui a fait ses preuves en mati\u00e8re de mise en \u0153uvre, en particulier aupr\u00e8s des grandes banques.<span class=\"discussion-id-2411b43e-6dc1-801a-9a02-001c2eeb4bc3 notion-enable-hover\" data-token-index=\"1\"> Son exp\u00e9rience peut s&rsquo;av\u00e9rer inestimable pour surmonter les d\u00e9fis et garantir une mise en \u0153uvre sans heurts.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-0ccb903 elementor-section-content-bottom BgFull elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0ccb903\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;shape_divider_top&quot;:&quot;waves&quot;,&quot;shape_divider_bottom&quot;:&quot;waves&quot;}\">\n\t\t\t\t\t<div class=\"elementor-shape elementor-shape-top\" aria-hidden=\"true\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" d=\"M421.9,6.5c22.6-2.5,51.5,0.4,75.5,5.3c23.6,4.9,70.9,23.5,100.5,35.7c75.8,32.2,133.7,44.5,192.6,49.7\n\tc23.6,2.1,48.7,3.5,103.4-2.5c54.7-6,106.2-25.6,106.2-25.6V0H0v30.3c0,0,72,32.6,158.4,30.5c39.2-0.7,92.8-6.7,134-22.4\n\tc21.2-8.1,52.2-18.2,79.7-24.2C399.3,7.9,411.6,7.5,421.9,6.5z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t<div class=\"elementor-shape elementor-shape-bottom\" aria-hidden=\"true\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" d=\"M421.9,6.5c22.6-2.5,51.5,0.4,75.5,5.3c23.6,4.9,70.9,23.5,100.5,35.7c75.8,32.2,133.7,44.5,192.6,49.7\n\tc23.6,2.1,48.7,3.5,103.4-2.5c54.7-6,106.2-25.6,106.2-25.6V0H0v30.3c0,0,72,32.6,158.4,30.5c39.2-0.7,92.8-6.7,134-22.4\n\tc21.2-8.1,52.2-18.2,79.7-24.2C399.3,7.9,411.6,7.5,421.9,6.5z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a553fbe elementor-invisible\" data-id=\"a553fbe\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3a31ca1 elementor-widget elementor-widget-heading\" data-id=\"3a31ca1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Mesures suppl\u00e9mentaires pour les banques : se pr\u00e9parer pour 2025<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-857d4fd elementor-widget elementor-widget-text-editor\" data-id=\"857d4fd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>La date limite pour se conformer \u00e0 la r\u00e9glementation sur les paiements instantan\u00e9s (IPR) en 2025 approche \u00e0 grands pas, ce qui laisse peu de temps aux banques pour agir. Une pr\u00e9paration anticip\u00e9e permettra d&rsquo;\u00e9viter les probl\u00e8mes \u00e0 court terme autant que d&rsquo;assurer une transition en douceur vers la conformit\u00e9. Voici quelques mesures concr\u00e8tes que les banques peuvent prendre :<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-04fd11d elementor-widget elementor-widget-text-editor\" data-id=\"04fd11d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ol><li><strong>R\u00e9alisez une analyse des lacunes<\/strong> \u00c9valuez vos syst\u00e8mes de paiement actuels afin d&rsquo;identifier les domaines qui ne sont pas conformes aux exigences de l&rsquo;IPR. \u00c9valuez votre capacit\u00e9 \u00e0 traiter les paiements instantan\u00e9s, \u00e0 traiter les demandes de <a href=\"https:\/\/www.surepay.eu\/verification-of-payee-in-the-eu\/\">v\u00e9rification du b\u00e9n\u00e9ficiaire<\/a> et \u00e0 r\u00e9pondre aux demandes des clients en mati\u00e8re de transactions en temps r\u00e9el.<\/li><li><strong>Mettez \u00e0 jour vos syst\u00e8mes et votre infrastructure<\/strong> Investissez dans la modernisation de votre technologie afin de r\u00e9pondre aux exigences du traitement des paiements en temps r\u00e9el. Assurez-vous que vos syst\u00e8mes sont op\u00e9rationnels 24 heures sur 24 et 7 jours sur 7 et qu&rsquo;ils peuvent traiter \u00e0 la fois les virements instantan\u00e9s et les paiements par lots.<\/li><li><strong>Choisissez le bon fournisseur de solutions VoP<\/strong> Collaborez avec un fournisseur de confiance qui propose une solution VoP \u00e9volutive, conforme et facile \u00e0 int\u00e9grer. Cette d\u00e9cision aura un impact significatif sur votre cheminement vers la conformit\u00e9. Choisissez donc un fournisseur qui poss\u00e8de une exp\u00e9rience av\u00e9r\u00e9e dans le secteur bancaire.<\/li><li><strong>Formez vos \u00e9quipes<\/strong> Dotez vos collaborateurs des connaissances et des comp\u00e9tences n\u00e9cessaires \u00e0 la mise en \u0153uvre et \u00e0 l&rsquo;exploitation de vos syst\u00e8mes modernis\u00e9s. Une formation compl\u00e8te permettra \u00e0 vos \u00e9quipes d&rsquo;assurer la conformit\u00e9 de mani\u00e8re s\u00fbre et efficace.<\/li><li><strong>Communiquez avec les parties prenantes<\/strong> Informez vos clients des changements et des avantages li\u00e9s au r\u00e8glement sur les paiements instantan\u00e9s. La transparence renforce la confiance et favorise l&rsquo;acceptation des nouveaux canaux de paiement.<\/li><\/ol><p>\u00a0<\/p><p>En prenant ces mesures d\u00e8s maintenant, les banques peuvent r\u00e9duire le risque de non-conformit\u00e9, att\u00e9nuer les difficult\u00e9s de mise en \u0153uvre et se positionner en tant que pionni\u00e8res dans le secteur des paiements en pleine mutation.<\/p><p><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-4dccddc elementor-section-full_width elementor-section-content-bottom BgFull elementor-section-height-default elementor-section-height-default\" data-id=\"4dccddc\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;shape_divider_top&quot;:&quot;waves&quot;,&quot;shape_divider_bottom&quot;:&quot;waves&quot;,&quot;shape_divider_bottom_negative&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t<div class=\"elementor-shape elementor-shape-top\" aria-hidden=\"true\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" d=\"M421.9,6.5c22.6-2.5,51.5,0.4,75.5,5.3c23.6,4.9,70.9,23.5,100.5,35.7c75.8,32.2,133.7,44.5,192.6,49.7\n\tc23.6,2.1,48.7,3.5,103.4-2.5c54.7-6,106.2-25.6,106.2-25.6V0H0v30.3c0,0,72,32.6,158.4,30.5c39.2-0.7,92.8-6.7,134-22.4\n\tc21.2-8.1,52.2-18.2,79.7-24.2C399.3,7.9,411.6,7.5,421.9,6.5z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t<div class=\"elementor-shape elementor-shape-bottom\" aria-hidden=\"true\" data-negative=\"true\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" d=\"M790.5,93.1c-59.3-5.3-116.8-18-192.6-50c-29.6-12.7-76.9-31-100.5-35.9c-23.6-4.9-52.6-7.8-75.5-5.3\n\tc-10.2,1.1-22.6,1.4-50.1,7.4c-27.2,6.3-58.2,16.6-79.4,24.7c-41.3,15.9-94.9,21.9-134,22.6C72,58.2,0,25.8,0,25.8V100h1000V65.3\n\tc0,0-51.5,19.4-106.2,25.7C839.5,97,814.1,95.2,790.5,93.1z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d3736ed elementor-invisible\" data-id=\"d3736ed\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-6a66863 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6a66863\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-f7fb368\" data-id=\"f7fb368\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a62b0e0 elementor-widget elementor-widget-heading\" data-id=\"a62b0e0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Questions fr\u00e9quentes sur la r\u00e9glementation relative aux paiements instantan\u00e9s<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-79dcbb6 elementor-widget elementor-widget-heading\" data-id=\"79dcbb6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Quelle est la diff\u00e9rence entre les paiements instantan\u00e9s et les virements bancaires classiques ?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d47c687 elementor-widget elementor-widget-text-editor\" data-id=\"d47c687\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Avec les paiements instantan\u00e9s, les fonds sont transf\u00e9r\u00e9s en quelques secondes, 24 heures sur 24, et sont imm\u00e9diatement disponibles pour le destinataire. Les virements bancaires classiques peuvent quant \u00e0 eux prendre jusqu&rsquo;\u00e0 un jour ouvrable et sont soumis aux heures d&rsquo;ouverture limit\u00e9es des banques ainsi qu&rsquo;\u00e0 des retards le week-end et les jours f\u00e9ri\u00e9s.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8fe4e0d elementor-widget elementor-widget-heading\" data-id=\"8fe4e0d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Comment fonctionne la v\u00e9rification du b\u00e9n\u00e9ficiaire ?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fb34a7f elementor-widget elementor-widget-text-editor\" data-id=\"fb34a7f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><a class=\"notion-link-token notion-focusable-token notion-enable-hover\" tabindex=\"0\" href=\"https:\/\/www.surepay.eu\/verification-of-payee-in-the-eu\/\" rel=\"noopener noreferrer\" data-token-index=\"0\"><span class=\"link-annotation-unknown-block-id--354520926\">La v\u00e9rification du b\u00e9n\u00e9ficiaire (Verification of Payee, VoP)<\/span><\/a> compare le nom du b\u00e9n\u00e9ficiaire avec le num\u00e9ro de compte avant d&rsquo;autoriser un paiement. Si les informations ne correspondent pas, la banque informe le payeur, lui explique le probl\u00e8me et emp\u00eache ainsi les erreurs d&rsquo;acheminement ou les <a class=\"notion-link-token notion-focusable-token notion-enable-hover\" tabindex=\"0\" href=\"https:\/\/www.surepay.eu\/how-vop-and-consumer-awareness-can-help-prevent-app-fraud\/\" rel=\"noopener noreferrer\" data-token-index=\"2\"><span class=\"link-annotation-unknown-block-id--498712077\">paiements frauduleux.<\/span><\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f5b59ca elementor-widget elementor-widget-heading\" data-id=\"f5b59ca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Quelles sont les sanctions encourues en cas de non-respect ?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f56b46f elementor-widget elementor-widget-text-editor\" data-id=\"f56b46f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Le non-respect peut entra\u00eener des sanctions financi\u00e8res, une atteinte \u00e0 la r\u00e9putation et l&rsquo;exclusion du r\u00e9seau de paiement en temps r\u00e9el. Les banques risquent de perdre la confiance de leurs clients et leur comp\u00e9titivit\u00e9, de sorte que le respect de la r\u00e9glementation est essentiel \u00e0 leur r\u00e9ussite future.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-0991765 elementor-section-full_width elementor-section-content-bottom BgFull elementor-section-height-default elementor-section-height-default\" data-id=\"0991765\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;shape_divider_bottom&quot;:&quot;waves&quot;,&quot;shape_divider_top&quot;:&quot;waves&quot;}\">\n\t\t\t\t\t<div class=\"elementor-shape elementor-shape-top\" aria-hidden=\"true\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" d=\"M421.9,6.5c22.6-2.5,51.5,0.4,75.5,5.3c23.6,4.9,70.9,23.5,100.5,35.7c75.8,32.2,133.7,44.5,192.6,49.7\n\tc23.6,2.1,48.7,3.5,103.4-2.5c54.7-6,106.2-25.6,106.2-25.6V0H0v30.3c0,0,72,32.6,158.4,30.5c39.2-0.7,92.8-6.7,134-22.4\n\tc21.2-8.1,52.2-18.2,79.7-24.2C399.3,7.9,411.6,7.5,421.9,6.5z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t<div class=\"elementor-shape elementor-shape-bottom\" aria-hidden=\"true\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" d=\"M421.9,6.5c22.6-2.5,51.5,0.4,75.5,5.3c23.6,4.9,70.9,23.5,100.5,35.7c75.8,32.2,133.7,44.5,192.6,49.7\n\tc23.6,2.1,48.7,3.5,103.4-2.5c54.7-6,106.2-25.6,106.2-25.6V0H0v30.3c0,0,72,32.6,158.4,30.5c39.2-0.7,92.8-6.7,134-22.4\n\tc21.2-8.1,52.2-18.2,79.7-24.2C399.3,7.9,411.6,7.5,421.9,6.5z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2cf37e5 elementor-invisible\" data-id=\"2cf37e5\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-36b18dd elementor-widget elementor-widget-heading\" data-id=\"36b18dd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Conclusion : pr\u00e9parez-vous \u00e0 respecter les r\u00e8gles relatives aux paiements instantan\u00e9s<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7fa0c5d elementor-widget elementor-widget-text-editor\" data-id=\"7fa0c5d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\u00c0 l&rsquo;approche de la date limite de mise en conformit\u00e9 avec les r\u00e8gles IPR en 2025, les banques doivent agir rapidement pour s&rsquo;assurer qu&rsquo;elles satisfont \u00e0 toutes les exigences n\u00e9cessaires. Le passage aux paiements en temps r\u00e9el pr\u00e9sente de nombreux avantages, notamment une s\u00e9curit\u00e9 accrue, une r\u00e9duction de la fraude et une plus grande satisfaction des clients. Cependant, sans l&rsquo;infrastructure et les outils appropri\u00e9s, tels que VoP, la mise en conformit\u00e9 peut s&rsquo;av\u00e9rer complexe et co\u00fbteuse.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-6c1a098 e-flex e-con-boxed e-con e-parent\" data-id=\"6c1a098\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-a38323d e-con-full e-flex e-con e-child\" data-id=\"a38323d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6b63861 elementor-widget elementor-widget-heading\" data-id=\"6b63861\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">R\u00e9server une consultation gratuite<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8423a86 elementor-widget elementor-widget-text-editor\" data-id=\"8423a86\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Vous souhaitez d\u00e9couvrir comment SurePay peut accompagner votre banque dans sa pr\u00e9paration \u00e0 la r\u00e9glementation europ\u00e9enne sur les paiements instantan\u00e9s ? R\u00e9servez une d\u00e9monstration d\u00e8s aujourd&rsquo;hui et d\u00e9couvrez comment nos solutions de v\u00e9rification des b\u00e9n\u00e9ficiaires peuvent optimiser votre mise en conformit\u00e9. Nos experts vous pr\u00e9senteront les fonctionnalit\u00e9s et les avantages de notre solution et vous montreront comment celle-ci peut s&rsquo;int\u00e9grer de mani\u00e8re transparente \u00e0 vos syst\u00e8mes existants afin de garantir une transition en douceur vers les paiements en temps r\u00e9el.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-996ddbb elementor-widget elementor-widget-button\" data-id=\"996ddbb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.surepay.eu\/fr\/demander-une-demo\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">R\u00e9servez votre d\u00e9monstration d\u00e8s maintenant !<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-1665a61 e-con-full e-flex e-con e-child\" data-id=\"1665a61\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7bc15ce elementor-widget elementor-widget-image\" data-id=\"7bc15ce\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"450\" src=\"https:\/\/www.surepay.eu\/wp-content\/uploads\/2025\/08\/19-1024x576.jpg\" class=\"attachment-large size-large wp-image-24265\" alt=\"\" srcset=\"https:\/\/www.surepay.eu\/wp-content\/uploads\/2025\/08\/19-1024x576.jpg 1024w, https:\/\/www.surepay.eu\/wp-content\/uploads\/2025\/08\/19-300x169.jpg 300w, https:\/\/www.surepay.eu\/wp-content\/uploads\/2025\/08\/19-768x432.jpg 768w, https:\/\/www.surepay.eu\/wp-content\/uploads\/2025\/08\/19-1536x864.jpg 1536w, https:\/\/www.surepay.eu\/wp-content\/uploads\/2025\/08\/19.jpg 1920w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-8a69e11 BgFull elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8a69e11\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;shape_divider_top&quot;:&quot;curve&quot;,&quot;shape_divider_top_negative&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t<div class=\"elementor-shape elementor-shape-top\" aria-hidden=\"true\" data-negative=\"true\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" d=\"M500,97C126.7,96.3,0.8,19.8,0,0v100l1000,0V1C1000,19.4,873.3,97.8,500,97z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d2e3cb2\" data-id=\"d2e3cb2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6595947 elementor-widget elementor-widget-heading\" data-id=\"6595947\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Want to know more about Verification Of Payee?<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-7da6cb9 elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"7da6cb9\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-d74e2d9\" data-id=\"d74e2d9\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-05ae555 elementor-widget elementor-widget-text-editor\" data-id=\"05ae555\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h5>Best in class Verification Of Payee solution<\/h5>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4cf12f3 elementor-widget elementor-widget-text-editor\" data-id=\"4cf12f3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>With our European Verification Of Payee solution, the combination of IBAN &amp; Name will be checked in EU countries, the UK and the world.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5ea4d42 elementor-widget elementor-widget-text-editor\" data-id=\"5ea4d42\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"https:\/\/www.surepay.eu\/verification-of-payee-api\/\">Learn more\u00a0 \u2192<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-a93f977\" data-id=\"a93f977\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d54fca4 elementor-widget elementor-widget-text-editor\" data-id=\"d54fca4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h5>Download our whitepaper<\/h5>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5549025 elementor-widget elementor-widget-text-editor\" data-id=\"5549025\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Find your answers in our latest whitepaper: \u00ab\u00a0Connecting Europe through Verification Of Payee\u00a0\u00bb<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-57f1fba elementor-widget elementor-widget-text-editor\" data-id=\"57f1fba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"https:\/\/www.surepay.eu\/whitepaper-connecting-europe-through-verification-of-payee\/\">Learn more\u00a0 \u2192 <\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-a58980c elementor-section-full_width elementor-section-content-middle elementor-section-stretched HomePostGridSection elementor-section-height-default elementor-section-height-default\" data-id=\"a58980c\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;,&quot;shape_divider_top&quot;:&quot;waves&quot;}\">\n\t\t\t\t\t<div class=\"elementor-shape elementor-shape-top\" aria-hidden=\"true\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" d=\"M421.9,6.5c22.6-2.5,51.5,0.4,75.5,5.3c23.6,4.9,70.9,23.5,100.5,35.7c75.8,32.2,133.7,44.5,192.6,49.7\n\tc23.6,2.1,48.7,3.5,103.4-2.5c54.7-6,106.2-25.6,106.2-25.6V0H0v30.3c0,0,72,32.6,158.4,30.5c39.2-0.7,92.8-6.7,134-22.4\n\tc21.2-8.1,52.2-18.2,79.7-24.2C399.3,7.9,411.6,7.5,421.9,6.5z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f5c4302\" data-id=\"f5c4302\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-12228c8 elementor-widget elementor-widget-heading\" data-id=\"12228c8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">The latest developments<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-12835be elementor-pagination-type-bullets elementor-arrows-position-inside elementor-pagination-position-outside elementor-widget elementor-widget-loop-carousel\" data-id=\"12835be\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;template_id&quot;:2991,&quot;speed&quot;:1000,&quot;offset_sides&quot;:&quot;both&quot;,&quot;autoplay_speed&quot;:1000,&quot;offset_width&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:100,&quot;sizes&quot;:[]},&quot;slides_to_scroll_mobile&quot;:&quot;1&quot;,&quot;image_spacing_custom_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]},&quot;slides_to_show_tablet&quot;:&quot;1&quot;,&quot;offset_width_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:150,&quot;sizes&quot;:[]},&quot;offset_width_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:13,&quot;sizes&quot;:[]},&quot;_skin&quot;:&quot;post&quot;,&quot;slides_to_show&quot;:&quot;3&quot;,&quot;slides_to_show_mobile&quot;:&quot;1&quot;,&quot;slides_to_scroll&quot;:&quot;1&quot;,&quot;edit_handle_selector&quot;:&quot;.elementor-loop-container&quot;,&quot;autoplay&quot;:&quot;yes&quot;,&quot;pause_on_interaction&quot;:&quot;yes&quot;,&quot;infinite&quot;:&quot;yes&quot;,&quot;arrows&quot;:&quot;yes&quot;,&quot;pagination&quot;:&quot;bullets&quot;,&quot;image_spacing_custom&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]},&quot;image_spacing_custom_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"loop-carousel.post\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"swiper elementor-loop-container elementor-grid\" role=\"list\" dir=\"ltr\">\n\t\t\t\t<div class=\"swiper-wrapper\" aria-live=\"off\">\n\t\t<style id=\"loop-2991\">.elementor-2991 .elementor-element.elementor-element-b281e77{overflow:hidden;padding:20px 20px 20px 20px;}.elementor-2991 .elementor-element.elementor-element-b281e77, .elementor-2991 .elementor-element.elementor-element-b281e77 > .elementor-background-overlay{border-radius:7px 7px 7px 7px;}.elementor-bc-flex-widget .elementor-2991 .elementor-element.elementor-element-fd4c77d.elementor-column .elementor-widget-wrap{align-items:space-around;}.elementor-2991 .elementor-element.elementor-element-fd4c77d.elementor-column.elementor-element[data-element_type=\"column\"] > .elementor-widget-wrap.elementor-element-populated{align-content:space-around;align-items:space-around;}.elementor-2991 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.elementor-element.elementor-element-3f86ebd .elementor-button:focus{color:var( --e-global-color-accent );}.elementor-2991 .elementor-element.elementor-element-3f86ebd .elementor-button:hover svg, .elementor-2991 .elementor-element.elementor-element-3f86ebd .elementor-button:focus svg{fill:var( --e-global-color-accent );}.elementor-2991 .elementor-element.elementor-element-3f86ebd > .elementor-widget-container{padding:0px 0px 0px 15px;}\/* Start custom CSS for image, class: .elementor-element-b41282f *\/.loop-images\/* End custom CSS *\/<\/style>\t\t<div data-elementor-type=\"loop-item\" data-elementor-id=\"2991\" class=\"elementor elementor-2991 swiper-slide e-loop-item e-loop-item-24328 post-24328 post type-post status-publish format-standard has-post-thumbnail hentry category-blogs-fr category-europa-fr category-include-in-home-page-fr category-nieuws-fr\" data-elementor-post-type=\"elementor_library\" role=\"group\" aria-roledescription=\"slide\" data-custom-edit-handle=\"1\">\n\t\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-b281e77 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b281e77\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-fd4c77d HomePostGridCol\" data-id=\"fd4c77d\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b41282f loop-images elementor-widget elementor-widget-image\" data-id=\"b41282f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.surepay.eu\/fr\/verification-du-beneficiaire-dans-lue-de-quoi-sagit-il-comment-cela-fonctionne-t-il-et-comment-vous-y-preparer\/\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"620\" src=\"https:\/\/www.surepay.eu\/wp-content\/uploads\/2024\/12\/VOP-match-example.jpg\" class=\"attachment-large size-large wp-image-19114\" alt=\"\" srcset=\"https:\/\/www.surepay.eu\/wp-content\/uploads\/2024\/12\/VOP-match-example.jpg 1011w, https:\/\/www.surepay.eu\/wp-content\/uploads\/2024\/12\/VOP-match-example-300x233.jpg 300w, https:\/\/www.surepay.eu\/wp-content\/uploads\/2024\/12\/VOP-match-example-768x596.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-3257c6b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3257c6b\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-1ab8098\" data-id=\"1ab8098\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f97d73f elementor-widget elementor-widget-heading\" data-id=\"f97d73f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">V\u00e9rification du b\u00e9n\u00e9ficiaire dans l&rsquo;UE : de quoi s&rsquo;agit-il, comment cela fonctionne-t-il et comment vous y pr\u00e9parer<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3f86ebd elementor-widget elementor-widget-button\" data-id=\"3f86ebd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-float\" href=\"https:\/\/www.surepay.eu\/fr\/verification-du-beneficiaire-dans-lue-de-quoi-sagit-il-comment-cela-fonctionne-t-il-et-comment-vous-y-preparer\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Read more \u2192<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\t\t<div data-elementor-type=\"loop-item\" data-elementor-id=\"2991\" class=\"elementor elementor-2991 swiper-slide e-loop-item e-loop-item-24298 post-24298 post type-post status-publish format-standard has-post-thumbnail hentry category-blogs-fr category-europa-fr category-include-in-home-page-fr category-nieuws-fr\" data-elementor-post-type=\"elementor_library\" role=\"group\" aria-roledescription=\"slide\" data-custom-edit-handle=\"1\">\n\t\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-b281e77 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b281e77\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-fd4c77d HomePostGridCol\" data-id=\"fd4c77d\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b41282f loop-images elementor-widget elementor-widget-image\" data-id=\"b41282f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.surepay.eu\/fr\/cest-quoi-surepay-et-comment-ca-marche\/\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"620\" src=\"https:\/\/www.surepay.eu\/wp-content\/uploads\/2025\/04\/SurePay-1024x794.jpg\" class=\"attachment-large size-large wp-image-20823\" alt=\"\" srcset=\"https:\/\/www.surepay.eu\/wp-content\/uploads\/2025\/04\/SurePay-1024x794.jpg 1024w, https:\/\/www.surepay.eu\/wp-content\/uploads\/2025\/04\/SurePay-300x233.jpg 300w, https:\/\/www.surepay.eu\/wp-content\/uploads\/2025\/04\/SurePay-768x595.jpg 768w, https:\/\/www.surepay.eu\/wp-content\/uploads\/2025\/04\/SurePay-1536x1190.jpg 1536w, https:\/\/www.surepay.eu\/wp-content\/uploads\/2025\/04\/SurePay.jpg 1920w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-3257c6b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3257c6b\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-1ab8098\" data-id=\"1ab8098\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f97d73f elementor-widget elementor-widget-heading\" data-id=\"f97d73f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">C&rsquo;est quoi SurePay et comment \u00e7a marche ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3f86ebd elementor-widget elementor-widget-button\" data-id=\"3f86ebd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-float\" href=\"https:\/\/www.surepay.eu\/fr\/cest-quoi-surepay-et-comment-ca-marche\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Read more \u2192<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\t\t<div data-elementor-type=\"loop-item\" data-elementor-id=\"2991\" class=\"elementor elementor-2991 swiper-slide e-loop-item e-loop-item-11221 post-11221 post type-post status-publish format-standard has-post-thumbnail hentry category-blogs-fr category-europa-fr category-include-in-home-page-fr category-nieuws-fr category-non-classifiee\" data-elementor-post-type=\"elementor_library\" role=\"group\" aria-roledescription=\"slide\" data-custom-edit-handle=\"1\">\n\t\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-b281e77 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b281e77\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-fd4c77d HomePostGridCol\" data-id=\"fd4c77d\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b41282f loop-images elementor-widget elementor-widget-image\" data-id=\"b41282f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.surepay.eu\/fr\/les-banques-belges-choisissent-surepay-comme-fournisseur-privilegie-de-services-de-verification-du-beneficiaire-vop\/\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"620\" src=\"https:\/\/www.surepay.eu\/wp-content\/uploads\/2024\/05\/Verification-of-Payee-Belgium-Febelfin-CEC-SurePay-2.jpg\" class=\"attachment-large size-large wp-image-11234\" alt=\"\" srcset=\"https:\/\/www.surepay.eu\/wp-content\/uploads\/2024\/05\/Verification-of-Payee-Belgium-Febelfin-CEC-SurePay-2.jpg 910w, https:\/\/www.surepay.eu\/wp-content\/uploads\/2024\/05\/Verification-of-Payee-Belgium-Febelfin-CEC-SurePay-2-300x232.jpg 300w, https:\/\/www.surepay.eu\/wp-content\/uploads\/2024\/05\/Verification-of-Payee-Belgium-Febelfin-CEC-SurePay-2-768x595.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-3257c6b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3257c6b\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-1ab8098\" data-id=\"1ab8098\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f97d73f elementor-widget elementor-widget-heading\" data-id=\"f97d73f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Les banques belges choisissent SurePay comme fournisseur privil\u00e9gi\u00e9 de services de v\u00e9rification du b\u00e9n\u00e9ficiaire (VOP)<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3f86ebd elementor-widget elementor-widget-button\" data-id=\"3f86ebd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-float\" href=\"https:\/\/www.surepay.eu\/fr\/les-banques-belges-choisissent-surepay-comme-fournisseur-privilegie-de-services-de-verification-du-beneficiaire-vop\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Read more \u2192<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-prev\" role=\"button\" tabindex=\"0\" aria-label=\"Pr\u00e9c\u00e9dent\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-eicon-chevron-left\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M646 125C629 125 613 133 604 142L308 442C296 454 292 471 292 487 292 504 296 521 308 533L604 854C617 867 629 875 646 875 663 875 679 871 692 858 704 846 713 829 713 812 713 796 708 779 692 767L438 487 692 225C700 217 708 204 708 187 708 171 704 154 692 142 675 129 663 125 646 125Z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-next\" role=\"button\" tabindex=\"0\" aria-label=\"Suivant\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-eicon-chevron-right\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M696 533C708 521 713 504 713 487 713 471 708 454 696 446L400 146C388 133 375 125 354 125 338 125 325 129 313 142 300 154 292 171 292 187 292 204 296 221 308 233L563 492 304 771C292 783 288 800 288 817 288 833 296 850 308 863 321 871 338 875 354 875 371 875 388 867 400 854L696 533Z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t\t\t\t<div class=\"swiper-pagination\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8e36c82 elementor-align-center elementor-widget elementor-widget-post-info\" data-id=\"8e36c82\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-inline-items elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-9f6311c elementor-inline-item\">\n\t\t\t\t\t\t<a href=\"https:\/\/www.surepay.eu\/news-blogs\/\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-left\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M257.5 445.1l-22.2 22.2c-9.4 9.4-24.6 9.4-33.9 0L7 273c-9.4-9.4-9.4-24.6 0-33.9L201.4 44.7c9.4-9.4 24.6-9.4 33.9 0l22.2 22.2c9.5 9.5 9.3 25-.4 34.3L136.6 216H424c13.3 0 24 10.7 24 24v32c0 13.3-10.7 24-24 24H136.6l120.5 114.8c9.8 9.3 10 24.8.4 34.3z\"><\/path><\/svg>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-custom\">\n\t\t\t\t\t\t\t\t\t\tBack to overview\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Comprendre le r\u00e8glement europ\u00e9en relatif aux paiements instantan\u00e9s (IPR) : ce que les banques doivent savoir Le r\u00e8glement europ\u00e9en sur les paiements instantan\u00e9s (IPR) va profond\u00e9ment transformer le paysage europ\u00e9en en mati\u00e8re de paiements en rendant les paiements instantan\u00e9s obligatoires pour tous les \u00e9tablissements financiers d&rsquo;ici \u00e0 2025. Ce r\u00e8glement stipule que les services de [&hellip;]<\/p>\n","protected":false},"author":17,"featured_media":19511,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","inline_featured_image":false,"footnotes":""},"categories":[79],"tags":[],"class_list":["post-24348","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-non-classifiee"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>R\u00e8glement IPR pour Banques | SurePay<\/title>\n<meta name=\"description\" content=\"R\u00e8glement IPR : SurePay aide les banques \u00e0 respecter la conformit\u00e9 UE. 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