Five Architectural Models for Verification of Payee Integration Compared

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Verification of Payee (VoP) allows payment service providers (PSPs) to confirm beneficiary details before authorizing a transaction, but the ownership of key functions can be structured in five distinct ways. The models range from a fully direct participant stack, where the PSP controls routing, matching, and evidence, to an internal orchestration layer that keeps providers swappable behind a stable domain contract. Intermediate approaches include routing-only or full-service Routing and Verification Mechanisms (RVMs), as well as split-provider setups that separate requester and responder roles. The European Payments Council (EPC) permits PSPs to delegate certain VoP actions to RVMs, but scheme obligations and accountability remain with the participant regardless of the model chosen. Experts advise selecting an integration model based on which failure modes the PSP needs to own — covering routing authority, match decision-making, and the ability to reconstruct disputed results — rather than by the number of external endpoints involved.

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