Welcome to Banfico VOP Service+ Documentation!

If you’ve landed on this page, chances are you’re just getting started with the Banfico VOP Service+ platform. This guide will introduce you to the key concepts, features, and resources you’ll need to begin your journey. Whether you're a Payment Service Provider (PSP) preparing for compliance or a developer exploring the platform's capabilities, this guide will help you understand how Banfico VOP Service+ simplifies adherence to the EPC Rulebook and the EU Instant Payments Regulation.

What is Banfico VOP Service+ Platform?

Banfico VOP Service+ is a unified conformance-focused service management and testing platform designed to help Payment Service Providers (PSPs) across the Single Euro Payments Area (SEPA) implement and maintain their Verification of Payee (VOP) obligations in line with the EPC Rulebook and the EU Instant Payments Regulation (IPR).

As VOP becomes mandatory by 9 October 2025, Banfico VOP Service+ offers an out-of-the-box solution that supports PSPs in both Requesting and Responding roles. The platform not only ensures end-to-end conformance validation through dedicated testing tools, but also provides robust service management capabilities — including 24x7 service monitoring, real-time incident alerting, EPC-aligned service notifications, and an integrated service desk to streamline operational support across scheme participants.

What do you get with VOP Service+ Platform?

The platform is modular and provides the following services:

• Service Desk

  A central place to raise and manage issues with VOP service operations using a Kanban-style ticket board.

• Service Notifications

  Manage and view planned and unplanned downtimes, service disruptions, and scheduled maintenance across all registered financial institutions.

• Service Monitoring

  Get real-time visibility into health checks and certificate validity of PSP domains integrated with VOP.

• Functional Conformance

  Test and validate that your VOP implementation meets EPC specifications for inbound and outbound interactions.

• Name Matching Evaluation

  Evaluate your name matching algorithm across different personas (personal, business, etc.) to ensure consistency and accuracy.

• API Penetration Testing

  Run targeted security tests to identify potential vulnerabilities in your VOP APIs and endpoints.

• Performance Testing

  Benchmark throughput and response times under varying loads to ensure your services can scale reliably.