Yowpay goes a step further by integrating Verification of Payee directly into its SEPA payment tunnel. Unlike traditional providers that rely only on Open Banking (PIS), Yowpay covers all three SEPA flows:
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PIS (Open Banking) – fast and secure, with VoP checks
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Manual SEPA – still widely used, enhanced with automatic references
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EPC QR Code – mobile-friendly, simplified with instant verification
On top of that, Yowpay adds:
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Smart payment links with embedded references for flawless reconciliation
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Chargeback-free flows protecting businesses from disputes
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Business IBANs for industries considered “high-risk”
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Real-time payment tracking, improving both customer and merchant experience
With VoP built in, Yowpay ensures every euro reaches the right account, every time.
Why This Matters for Businesses
For companies across sectors — from e-commerce to gaming, forex, adult platforms, and traffic networks — the impact is massive:
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Fewer payment errors = less time spent on manual reconciliation
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Lower fraud risk = fewer losses from impersonation scams
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Higher trust = customers feel safer paying directly via SEPA
When combined with Yowpay’s multi-channel SEPA solution, businesses not only maximize conversion but also gain peace of mind.
The Future of Secure SEPA Payments
As fraud techniques evolve, payment security must evolve too. Card-based payments face increasing risks from malware and chargebacks, while SEPA remains the safer, cheaper, and more transparent option. With Verification of Payee, SEPA becomes even stronger.
Yowpay is at the forefront of this transformation — making SEPA payments smarter, safer, and more reliable for businesses and customers across Europe.