PRODUCTS
PSD2 QWAC Certificate
for Verification of Payee (VoP)
Starting 9 October 2025, the European Instant Payments Regulation (IPR) requires the implementation of Verification of Payee (VoP) for all SEPA and SEPA Instant transfers.
Verification of Payee (VoP) is a security mechanism that checks whether the beneficiary’s name matches the IBAN before executing a payment. This prevents fraud and reduces misdirected transfers.
The payer will receive one of the following results:
Match
Close Match
No Match
Other
To ensure secure communications between banks and PSPs within the VoP framework, a QWAC (Qualified Website Authentication Certificate) is mandatory.
Authenticates your domain’s identity in a qualified way to other PSPs
Enables the required TLS encryption for VoP connections
Mitigates regulatory non-compliance risks that could block your SEPA and instant payments
At ANF Certification Authority, we are a Qualified Trust Service Provider authorized to issue PSD2 QWAC certificates recognized throughout the EU.
We offer:
Without a valid QWAC certificate, your institution will not be able to comply with VoP by October 2025—putting your payment services at risk.
Contact us today to start the process and ensure timely compliance.
Do you have any questions?
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