Verification of Payee

What is Verification of Payee?

We're introducing a new security check for SEPA Credit Transfers called 'Verification of Payee’ (VoP). This added security measure lets you check the name on the account you are paying before making a payment.

General Verification of Payee Q&As

Verification of Payee for bulk payments

For bulk SEPA credit transfers the VoP service will let you check multiple payees through a portal provided by SurePay on behalf of AIB. There is no change to your existing bulk payment files, you will continue to upload them as you do today with the option of checking your payees through the portal.

When you make a bulk SEPA credit transfer, you will be asked to confirm whether you have completed a VoP check or not.

If you are submitting a bulk SEPA credit transfer file containing only one payment, you need to complete a VoP check and confirm that you have done so before submitting your payment file. You can only opt out of completing a VoP check when your payment contains more than one payment.

How do you register to the SurePay Verification of Payee portal?

We require a valid email address so that we can send you an invitation link to register to the Verification of Payee portal.

Once we have a valid email address;

1. You will receive an email from SurePay – no-reply@surepay.nl – asking you to accept an invitation to access the VoP portal.

2. You can set up your account by creating a password and following the onscreen instructions.

3. Now you are ready to check your files and set up new users for your organisation in the SurePay portal.

See our portal video guides below for more information

Verify the SurePay Details

You can expect to receive an invitation email from this email address: no-reply@surepay.nl

The invitation link should start with: aib.portal.surepay.eu.

Verification of Payee for Bulk Payments Q&As

Can VoP be performed on bulk payment files?
I have received an email from SurePay, who are they?
How do I register for access to the SurePay VoP portal?
How do I ensure an accurate VoP result when making and receiving payments?
We recommend you consider the following steps to help ensure an accurate Verification of Payee result.

Making Payments:
- Update your saved payee names so that they match the account or business’ legal name.
Receiving Payments:
- Ensure your invoices, correspondence and payment requests include the exact name linked to your IBAN. This will help ensure payees get a “match” result on their VoP check.
- Avoid abbreviations, acronyms, or trade names that do not match your official account name.
Will Verification of Payee change the way I upload my bulk payment files?
How will I be notified of the result of the Verification of Payee check?
How long does it take to check multiple payees on the portal and for a result to be returned?
How does the SurePay VoP Portal use my data?
If I make a single payment within a bulk file, will I need to perform VoP?

Yes, if you are submitting a bulk payment file containing only one payment, you need to complete a VoP check and confirm that you have done so before submitting your payment file. Alternatively, you can send an individual payment to a single payee through our online business banking services which have Verification of Payee built into the payment process.

You can only opt out of completing a VoP check when your payment file contains more than one payment.
Can I have multiple users on the SurePay Portal?
How will VoP process special characters?
What results will I get for non SEPA payments in my multicurrency file?

Using Verification of Payee

Before making a payment

Use the exact account name provided by the payee.
Check that you are using the correct IBAN provided by the payee.
When checking account details, contact the person or business on a phone number you trust.
- Avoid using phone numbers from an email or a text, as these can be faked.
- Always verify phone numbers independently. Don’t be pressured to continue with a payment if you receive a ‘Close Match’, ‘Details do not match’ or a ‘Match not possible’ response.

Verification of Payee portal video guides

Logging into the portal for the first time

Checking a single payee on the portal

Uploading a payment file to be checked on the portal

How do I add a new user in the portal?

Portal User Q&As

Getting Set up

Checking a single payee in the portal

How do I verify the name of a payee using an IBAN?
What happens if I enter an invalid IBAN in VoP portal?
Can I download the result of the check from VoP portal?
What are Advanced Field Options?
What user roles are available within the VoP portal?

As an admin you can choose to add a user and give them specific permissions in the portal.

1. Singlecheck – Lets users to check a single payee.

2. Filecheck - Lets users to upload payment files to check multiple payees.

3. Admin - Lets users to do single checks, file checks. It also gives users admin functions such as inviting users, removing users, editing roles and resetting MFA.

Checking payment files in the portal

How do I upload a file in VoP portal?
What file types are supported for upload in VoP portal?
You can upload files in the following formats:

Pain.001 XML (versions 001.03 and 001.09)

The files need to have the following extensions, otherwise they will not be recognised by the system:
- Pain.001 XML (versions 001.03 and 001.09) requires .xml extension
What does ’Queued for processing’ in VoP mean?
How do I download the result file from VoP portal?

Admin

How do I create a new user in the SurePay portal?
How do I view or search for a user in the SurePay portal?
How do I change a user’s name or role in the SurePay portal?
How do I delete a user from the SurePay portal?
How do I reset a user’s Multi-Factor Authentication (MFA) in the SurePay portal?
How do I view users who have been invited but haven’t joined yet in the VoP portal?
How do I revoke a pending invitation in Vop portal?
What should I do if a user can’t get through the MFA onboarding process?

Verification of Payee Results

Match	Close match	No Match	Match not possible
Code on SurePay result: MTCH	Code on SurePay result: CMTC	Code on SurePay result: NMTC	Code on SurePay result: NOAP
We have checked the payee’s name and it matches the name on the account.	We have checked the payee’s name and it’s a close match to the name on the account. If you are happy that this is who you want to pay, you might want to update the name in your payment file. If you are not sure, please contact the payee. If you end up sending money to someone else’s account, we may not be able to get it back for you. For example: Your file lists 'John Smith', the response file will show 'Jonathan Smith' as the name on the payee's account.	We have checked the payee’s name and it does not match the name on the account. If you are happy that this is who you want to pay, you can continue. If you are not sure, please contact the payee. If you end up sending money to someone else’s account, we may not be able to get it back for you.	We have tried to check the payee’s name but were not able to. This can be because: 1. The account is closed. 2. It is not a payment account. 3. A technical fault has occurred. 4. The payee is not in the SEPA zone. If you are happy that this is who you want to pay, you can continue. If you are not sure, please contact the payee. If you end up sending money to someone else’s account, we may not be able to get it back for you.

Match

Close match

No Match

Match not possible

Code on SurePay result: MTCH

Code on SurePay result: CMTC

Code on SurePay result: NMTC

Code on SurePay result: NOAP

We have checked the payee’s name and it matches the name on the account.

We have checked the payee’s name and it’s a close match to the name on the account.

If you are happy that this is who you want to pay, you might want to update the name in your payment file. If you are not sure, please contact the payee.

If you end up sending money to someone else’s account, we may not be able to get it back for you.

For example: Your file lists 'John Smith', the response file will show 'Jonathan Smith' as the name on the payee's account.

We have checked the payee’s name and it does not match the name on the account.

If you are happy that this is who you want to pay, you can continue. If you are not sure, please contact the payee.

If you end up sending money to someone else’s account, we may not be able to get it back for you.

We have tried to check the payee’s name but were not able to.

This can be because:

1. The account is closed.
2. It is not a payment account.
3. A technical fault has occurred.
4. The payee is not in the SEPA zone.

If you are happy that this is who you want to pay, you can continue. If you are not sure, please contact the payee.

If you end up sending money to someone else’s account, we may not be able to get it back for you.

The Verification of Payee Portal Terms of Use