Fully-managed Verification Of Payee solution by Europe’s leading payment infrastructure
Easily integrate Numeral's Routing and Verification Mechanism into your existing architecture to achieve timely compliance with the EU VOP regulation.
REGULATIOn
The easiest path to EU VOP compliance
Go live by the October 9, 2025 regulatory deadline
Fully managed, from EPC adherence to pre-production tests
Pan-European, 24/7, interoperable—as per the VOP scheme requirements
Rely on a trusted, experienced partner
Numeral connects 30+ financial institutions to 10+ payement schemes across Europe. Our fully managed offer includes scheme rulebook compliance and updated.
Numeral has integrated with various in-house and market systems. We successfully adapted legacy infrastructures to support SCT Inst.
Numeral is registered as an EPC-compliant RVM and engaged in the regular EPC’s RVM working sessions and pilots.
Fully managed RVM for all your VOP flows
Numeral manages scheme connectivity and ongoing compliance
EPC Directory Services connectivity, updates, and management
Managed mutual authentication with third-party PSPs
Rely on Numeral’s EV TLS certificate
Easy QWAC PSD2 certificate management
Build seamless VOP experiences easily
Easy API-based integration into your customer channels
Dynamic VOP forms for legal entities: show supported identification codes
Support individual and bulk VOP requests
Detailed reports and audit trails for all sent requests
Rely on a fully automated VOP responses
Fully managed inter-PSP VOP API
Automated response calculation
Response time contractual SLA aligned with VOP scheme requirements
Matching algorithm customisation
Native support of all VOP requests: Natural person, Legal entity, Omnibus accounts
Detailed reports and audit trails for all requests
Access original request data, processed data, and matching scores for every VOP response
Tailored solution to fit your user experience and specific use cases
Balance risks and customer experience
Fine tune your data cleaning and matching algorithm to avoid false 'No match' responses, limit 'Close match' responses and never return false 'Match' responses.
Data cleaning customisation: decide to ignore accents and diacritics in the matching algorithm, or not.
Matching algorithm customisation: Fine-tune the algorithm's strictness to achieve the right balance between 'Match' and 'Close match' responses.
Output customisation: Choose to return only 'Match' or 'No match' responses, ensuring that account holder data stored in your database is never disclosed.
Algorithm testing sandbox: Upload sample accounts into Numeral and test VOP requests with ease.
Don’t change your architecture. We adapt to it
Choose the option that best fits your existing architecture and data hosting requirements.
Account database synchronisation for fully autonomous responses: Regularly sync your account database with Numeral via manual upload, SFTP file transfer, or API. Numeral leverages this stored data to respond to VOP requests fully autonomously.
Real-time calls to your core systems: Numeral queries your core systems via API in real-time to fetch the required account data for each VOP request, ensuring your account database remains within your infrastructure.
Ensuring the highest level of security for all configurations
Whether you choose to synchronise your customer data or not, we provide options to keep your data secure and ensure compliance with your internal policies
Hosting options: Choose between shared and dedicated instances
Data encryption: Your data is always encrypted—both at rest and in transit. We provide PGP file encryption for file-based account synchronisation, with a 'Bring Your Own Key' (BYOK) option available for dedicated instances.
Certificates management: Rely on Numeral's EV TLS certificate. We utilise a dedicated secret manager to securely store your QWAC PSD2 certificate.
Requests rate limiting: To protect against suspicious activity from requesting PSPs, we offer the option to enable rate limiting on incoming VOP requests.
Streamlined, end-to-end implementation
Go live by October 9, 2025, with minimal technical resources and operational overhead.
Scheme adherence and certification support: Numeral handles the Adherence Agreement on your behalf and assists you in procuring your QWAC PSD2 certificate.
Testing and integration sandbox: Accelerate your integration with our developer-friendly sandbox. Test all request and response scenarios to ensure a worry-free go-live.
Custom integration options: Leverage tailored integration with your core banking system or upload customer account data using custom file formats.
Support and maintenance: Rely on Numeral's dedicated support team for any incidents. We manage scheme updates and connectivity maintenance for you.
Bank-grade security
European financial institutions must comply with Verification Of Payee requirements by October 9, 2025. Download our guide to learn how to choose and implement the right solution before the deadline.
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