SurePay as a fallback VOP provider
When your primary solution falls short, SurePay offers support
Across Europe, many PSPs and banks are preparing for their Verification Of Payee (VOP) rollout, often with a chosen vendor already in place. But what if that solution is not ready in time, or turns out not to meet EPC standards once in production
At SurePay, we see more and more institutions exploring multi-vendor setups. The reason is simple: organisations want to be confident their VOP services will remain available, even when their main provider runs into delays or technical issues.
SurePay offers fallback support as part of our broader VOP proposition. This can be set up alongside an existing solution, depending on your infrastructure and scheme alignment.
Where SurePay can support
Self-build
Strengthen your own VOP implementation by addressing common bottlenecks like Single Checks, Batch Verification or Routing. SurePay helps you move forward only where needed.
Vendors & Partners
Already working with a vendor but facing obstacles? SurePay can provide additional support or fallback capacity, without interfering with your existing setup.
Domestic Schemes
Need scheme-wide reliability? SurePay supports central and decentralised models proven by successful roll-out and implementation in countries like the Netherlands, Belgium and soon Denmark.
Book a meeting to discuss your situation
Building Blocks of VOP
Many institutions already have a VOP plan in place. But when specific hurdles arise, targeted support can make the difference between a delay and a successful go-live.
Each area involves its own technical and regulatory complexity. We help resolve these challenges quickly, without affecting compliance or timelines.
These are not standalone products, but proven components that support key parts of VOP implementation.
Why SurePay?
SurePay has implemented VOP for over 200 banks across Europe, from local integrations to national rollouts in the Netherlands, Belgium and soon also Denmark. Our solution is fully compliant with EPC regulations and designed for both domestic and cross-border use.
- Fully integrated with the EPC Directory Service (EDS)
- Performed over 10 billion VOP checks since 2016
- Live across Europe, including domestic schemes
- Built for single and batch payments
- Fast implementation: in some cases in as little as 2 weeks
- Coverage for all key flows: single, batch, routing and matching
How SurePay Works
Instant payments are fast and convenient, but also irreversible. That makes accuracy more critical than ever. A small mistake, a wrong name or incorrect IBAN, can lead to failed transactions, fraud, or frustrated customers.
Today, SurePay is the leading VOP provider in Europe, helping banks protect their customers and meet regulatory demands — with an algorithm that’s both robust and flexible.
This whitepaper explains how SurePay works, and why getting VOP right is crucial for safe and seamless instant payments.
Why consider a fallback setup?
VOP is an essential infrastructure. If you’re not reachable or not able to offer the service to your customers, you’re not compliant. That’s why fallback support matters. It can reduce risk and keep operations running.
Fallback with SurePay helps you fulfill DORA requirements and mitigate:
- Gaps in your main vendor’s delivery or VOP readiness
- Service disruption during outages or maintenance
- Traffic peaks that exceed vendor capacity
- Operational uncertainty during go-live
Choosing fallback now can also simplify migration later, if you decide to move fully to SurePay. Fallback with SurePay gives you stability and flexibility, without locking you into a full migration.
Let’s start the conversation
If you’re unsure whether your current implementation will meet the regulatory deadline — or want to mitigate risks along the way —
SurePay offers a secure and proven fallback.
Schedule a 30-minute call with one of our VOP specialists today
Download our SurePay flyer to get an easy overview.
Frequently asked questions
Even the best implementation plans face delays or unexpected issues. A fallback like SurePay ensures your institution remains compliant and protected—without losing valuable time or customer trust.
SurePay can complement in-house or vendor solutions as a secondary route or fully integrated backup. We’re flexible in how we plug into your environment, minimising disruption.
SurePay implementations can be live in as little as 2 weeks, depending on your infrastructure and needs. This includes integration, testing and EPC compliance setup.
Yes. SurePay’s solution is fully VOP-compliant, integrated with the EDS (EPC Directory Service), and already supports batch and single VOP checks across domestic and cross-border payments.
A fallback runs in parallel or as a contingency. If your main solution falters, SurePay ensures continuity—without requiring a full transition. However, many of our fallback clients eventually scale SurePay into their primary solution due to its performance and reliability.
We support institutions by safeguarding timelines and EPC compliance, especially around:
- Complex batch file processing
- EDS connectivity
- Cross-border use cases
- Load balancing or scaling under pressure
With over 10 billion checks, 200+ banks, and national rollouts in countries like the Netherlands, Belgium, and soon Denmark, SurePay is not just a backup—it’s the most proven VOP platform in Europe.