VOP Process

VOP Request/Response Process Flow

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sequenceDiagram
  participant OR as Originator
  participant RPSP as Requesting PSP
  participant EDS as EDS
  participant VPSP as Responding PSP
  participant BE as Beneficiary

  Note over OR,BE: Payment Initiation Context
  
  OR->>RPSP: Initiates payment with<br/>Beneficiary name + IBAN
  
  rect rgb(240, 245, 255)
      Note over RPSP,EDS: Directory Service Lookup
      RPSP->>EDS: Query Responding PSP details
      EDS-->>RPSP: Return API endpoint + certificate
  end

  rect rgb(245, 240, 255)
      Note over RPSP,VPSP: VOP Request Processing
      RPSP->>VPSP: VOP Request (name + IBAN)
      activate VPSP
      VPSP->>VPSP: Validate request
      VPSP->>VPSP: Check IBAN
      VPSP->>VPSP: Match name
      VPSP-->>RPSP: VOP Response
      deactivate VPSP
  end

  Note over RPSP,OR: Response Handling
  alt Match Found
      RPSP->>OR: Confirm match
  else No Match/Close Match
      RPSP->>OR: Warning/Additional verification needed
  else Error
      RPSP->>OR: Error message
  end

  

VOP Scheme Roles and Interactions

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graph TB
  subgraph Participants
      OR[Originator]
      BE[Beneficiary]
      RPSP[Requesting PSP]
      VPSP[Responding PSP]
  end

  subgraph Scheme Infrastructure
      EDS[European Directory Service]
      SR[Scheme Rules]
      GOV[Scheme Management]
  end

  OR -->|Initiates payment| RPSP
  BE -->|Holds account| VPSP
  
  RPSP -->|Adheres to| SR
  VPSP -->|Adheres to| SR
  
  RPSP -->|Queries| EDS
  VPSP -->|Registered in| EDS
  
  GOV -->|Manages| SR
  GOV -->|Oversees| EDS

  classDef participant fill:#0066cc,color:white,stroke:#0066cc;
  classDef infrastructure fill:#003366,color:white,stroke:#003366;
  classDef user fill:#e8e8e8,stroke:#666;
  
  class OR,BE user;
  class RPSP,VPSP participant;
  class EDS,SR,GOV infrastructure;

  

Process Flow Description

1. Payment Initiation:

   • Originator initiates a payment with beneficiary name and IBAN
   • Requesting PSP receives and validates the initial request
   • Directory service lookup to find the Responding PSP

2. VOP Request Processing:

   • Secure communication establishment between PSPs
   • IBAN validation and account verification
   • Name matching using specified algorithms
   • Response generation based on match results

3. Response Handling:

   • Match: Payment can proceed normally
   • No Match/Close Match: Warning to Originator
   • Error: Technical or business error handling

Scheme Participants and Roles

1. Key Actors:

   • Originator: Payment initiator
   • Beneficiary: Payment recipient
   • Requesting PSP: Sends VOP requests
   • Responding PSP: Processes verification requests

2. Infrastructure Components:

   • European Directory Service (EDS): Central participant directory
   • Scheme Rules: Governing framework
   • Scheme Management: Oversight and governance

3. Operational Requirements:

   • Mandatory participation in EDS
   • Compliance with security requirements
   • Service level agreements
   • Data protection and privacy standards