Figure: Preferences - File transfers - Verification of payee (VOP)
The preferences for verification of payee (VOP) refer to an external verification that payment service providers are legally obliged to perform. This determines whether the name specified in the payment order actually belongs to the IBAN. The verification of payee only applies to the SEPA payment types transfer and instant transfer. BL Banking initiates the verifications and receives the results from the bank server; the bank of the payee or its service provider carries them out. Whether the verification of payee is possible is set for each bank under Bank properties – SEPA payments.
These preferences apply only to you personally and control the behavior of BL Banking when the verification of payee is active.
When signing an open SEPA transfer or instant transfer and when sending external files with a corresponding order type, the verification of payee (VOP) can be enabled or disabled for each order. By default, the checkbox Verification of payee (VOP) in the dialog box Sign payment is checked. If you more often skip the verification of the payee than initiate it, you can change the default setting here.
By default, BL Banking asks whether the results from previous verification of payee shall be displayed before sending external files and submitting open payments. If you confirm, a dialog box is displayed showing the latest results for each bank. This table can be printed to a PDF file before you continue. If you do not want to see previous results, you can disable this option here or in the query before the dialog box is displayed.
Viewing previous verification results does not supersede a current verification, but it can help you decide whether recipients shall be corrected before submitting an order or whether verification of payee can be skipped for this order.
The display is based on the latest status report with the results of the verification of payee (pain.002). The VOP notifications are retrieved from the bank for each order by default and can be viewed individually in the perspective Orders under Notifications. The retrieval of VOP notifications can be configured for each bank, see Bank properties – Notifications.
For performance reasons, the display of results from previous verification of payee is limited to 200 payments per file or order by default. If there are more payments, you will be notified before opening the dialog box that the process may take a long time. You can increase or decrease the limit for this warning.
By default, the notifications Result of verification of payee (VOP) for… are attached to the transmission report. You can print these as a PDF file after transferring the signed order or later in the Orders perspective under Sent files. If you do not want to include VOP results in the transmission report, deselect this checkbox. Further user specifications for the transmission report can be found under Print settings.
VOP results are retrieved from the bank by default 60 seconds after a payment order is submitted. This automatically updates the status of the send order to Waiting for signatures (VOP results exist), which is displayed in the perspective Payments under Signed payments and in the perspective Orders under Sent files. If you enter the value 0 here, you must retrieve the VOP results manually by either refreshing one of the views mentioned or retrieving files with the order type VPZ (VOP Status Report) from the bank.
The VOP results are provided as a status report in pain.002 format. VOP notifications and the addition in the order status are only displayed if the order type used by the bank for VOP notifications is stored in the bank properties under Notifications; the default is VPZ. There is also an automatic retrieval for the customer protocol, which can be set in the preferences under File transfers. Since protocols and notifications are provided separately, you can specify different retrieval intervals if necessary.
Figure: Preferences - File transfers - Verification of payee (VOP)