From 91dcadbfe8a857854f30f09fcd4d2bc2a493bf8e Mon Sep 17 00:00:00 2001 From: Maxence Busson Date: Thu, 19 Mar 2026 10:41:38 +0100 Subject: [PATCH] DOC-1584/explain-out-going-vop-in-doc --- .../sepa/vop/verification-of-payee.mdx | 18 +++++++++++++----- 1 file changed, 13 insertions(+), 5 deletions(-) diff --git a/docs/topics/payments/credit-transfers/sepa/vop/verification-of-payee.mdx b/docs/topics/payments/credit-transfers/sepa/vop/verification-of-payee.mdx index c0cd5168051..3f7e9402411 100644 --- a/docs/topics/payments/credit-transfers/sepa/vop/verification-of-payee.mdx +++ b/docs/topics/payments/credit-transfers/sepa/vop/verification-of-payee.mdx @@ -64,13 +64,15 @@ sequenceDiagram participant EU as End-user participant P as Partner participant S as Swan + participant Bene as Beneficiary's bank EU->>P: Enters beneficiary details - P->>S: VoP Triggers - S->>S: Generates VoP result - S-->>P: Verification results
(Custom integration) - P-->>EU: Displays VoP results/warnings
(Custom integration) - S-->>EU: Displays VoP results/warnings
(Default integration) + P->>S: VoP triggers + S->>+Bene: Sends VoP request (IBAN + name) + Bene-->>-S: Returns verification result + S-->>P: Relays result
(Custom integration) + P-->>EU: Displays VoP result/warnings
(Custom integration) + S-->>EU: Displays VoP result/warnings
(Default integration) Note over EU: Reviews the results @@ -107,6 +109,12 @@ Following the [European Payments Council (EPC)'s recommended matching rules](htt ### VoP results {#vop-results} +:::caution Swan relays results: it doesn't determine them +VoP results are determined solely by the **beneficiary's bank** (the creditor's PSP). Swan sends the verification request and displays the result exactly as received. Swan has no influence over the outcome and cannot modify or override it. + +If a result seems unexpected, the beneficiary's bank made that determination based on their own matching logic. +::: + The beneficiary's bank can return one of four verification results. **All results must be displayed to the end-user**. Swan will systematically display the VoP result and warning on the SCA consent screen.