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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.

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.
 

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.acc.surepay.eu 

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. Never be pressured to continue with a payment if you receive a ‘Close match’, ‘Details do not match’ or a ‘Match not possible’ result.

    • Never be pressured to continue with a payment if you receive a ‘Close match’, ‘Details do not match’ or a ‘Match not possible’ result.

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.

Questions & Answers