Across Europe, financial institutions have been preparing for the Verification Of Payee (VOP) regulation, which takes effect today, on October 9, 2025.

This new requirement from the European Payments Council (EPC) mandates that all payment service providers (PSPs) verify a payee’s identity before processing credit transfers, representing a major shift aimed at reducing fraud and increasing trust in digital payments.

As an EPC-compliant Routing and Verification Mechanism (RVM), Mambu Payments is helping institutions prepare for this change efficiently and on time. For many PSPs and EMIs, readiness means navigating new rulebooks, scheme connectivity, and verification logic, all under tight regulatory deadlines.

Our goal is to simplify this process and make VOP compliance reliable, scalable, and minimally disruptive, enabling institutions to focus on what matters most: delivering secure and seamless payment experiences to their customers.

Flowe: enabling digital payments through an integrated ecosystem of trusted partners

Among the institutions preparing for this transition is Flowe, an Italian sustainability-driven Electronic Money Institution (EMI) and certified B Corp, part of the Banca Mediolanum Group.

In 2025, Flowe has been positioning itself as a single access point for companies and regulated entities — including EMIs, PIs, and other financial institutions — seeking to integrate digital payment solutions built on transparency, efficiency, and trust.

Choosing the right partner for VOP compliance

As part of its commitment to secure and compliant financial services, Flowe selected Mambu Payments to implement its VOP solution. The partnership ensures full compliance with the upcoming EPC regulation while maintaining Flowe’s standards for operational excellence.

“When preparing for VOP implementation, we were looking for a partner with a deep understanding of regulatory requirements and capable of providing a reliable, fast, and scalable solution. Their expertise in onboarding, scheme management, rule updates, and the ability to process millions of payments gave us full confidence in our choice." 
- Donato Robusto, Payment Services & Control Lead at Flowe

Supporting Flowe’s transition to VOP

Mambu Payments’ solution supports Flowe as both a requesting and responding PSP, ensuring compliance with EPC requirements across all VOP flows. It covers the full technical and regulatory scope of VOP, including scheme connectivity, rulebook updates, and secure data exchanges, enabling Flowe to integrate the new requirements without disrupting existing operations.

"We are proud to support Flowe in achieving VOP compliance. Their choice reflects what many forward-thinking PSPs are seeking: a trusted partner, with deep knowledge of payment schemes, rapid execution capacity, and infrastructure designed to deliver long-term compliance with minimal operational impact." - Édouard Mandon, VP of Payments at Mambu.

For Flowe’s customers, this means smoother, safer payments with fewer failed or misdirected transactions, and a future-proof foundation that aligns with Europe’s evolving regulatory landscape.

Helping financial institutions prepare for VOP

With the VOP regulation now in effect, Mambu Payments will continue to support financial institutions across Europe to meet regulatory requirements and ensure ongoing compliance.

As an EPC-compliant RVM, we offer a fully managed VOP solution that streamlines connectivity, automates rule updates, and ensures ongoing compliance, allowing institutions to focus on scaling their payment services with confidence.

If your institution is still preparing or fine-tuning its Verification Of Payee setup, discover how Mambu Payments can help you stay compliant and operationally ready.