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18 changes: 13 additions & 5 deletions docs/topics/payments/credit-transfers/sepa/vop/verification-of-payee.mdx
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Expand Up @@ -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<br/>(Custom integration)
P-->>EU: Displays VoP results/warnings<br/>(Custom integration)
S-->>EU: Displays VoP results/warnings<br/>(Default integration)
P->>S: VoP triggers
S->>+Bene: Sends VoP request (IBAN + name)
Bene-->>-S: Returns verification result
S-->>P: Relays result<br/>(Custom integration)
P-->>EU: Displays VoP result/warnings<br/>(Custom integration)
S-->>EU: Displays VoP result/warnings<br/>(Default integration)

Note over EU: Reviews the results

Expand Down Expand Up @@ -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.

<Tabs>
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