Verification of Payee Changes for Outgoing Payments

This document is a technical report detailing changes related to the Verification of Payee (VOP) for outgoing payments using the EBICS protocol. It outlines the implementation of new order types and the regulatory requirements stemming from the Instant Payment Regulation (Regulation EU 2024/886). The report specifies the differences between opt-in and opt-out submission processes, including the use of distributed electronic signatures (VEU). It provides a change log that highlights updates to the submission process, including clarifications on the handling of files with one transaction and the introduction of new EBICS order types effective from October 5, 2025. Additionally, it discusses the implications of these changes for corporate customers and the necessary adjustments to their payment submission processes. A checklist for outgoing payments is included to assist users in ensuring compliance with the new requirements before the implementation date.