Industries
34% of your VoP results need resolution. Here is the layer that resolves them.
VoP went live Oct 2025. 34% of French-market results lack resolution. No standard tool. No audit trail. sikker.me resolves both — registry-authoritative, under 3 seconds.
The compliance gap
Every unresolved grey-zone result is undocumented.
Under Regulation 2024/886, Article 5c(9), a PSP that executes on a no-match result without notifying the payer and documenting the decision loses the PSD2 liability shield for consumer-initiated SEPA transfers. For B2B payments, the risk is a compliance documentation burden: every grey-zone result requires a documented decision before execution. No standard tool provides that documentation. Every unresolved result is an open gap in your audit trail. 34% of your volume is too much to leave undocumented. You need a resolution tool. Not a hold queue. sikker.me queries the official government registry and returns a source-cited verdict in under three seconds. The grey zone is resolved. The payment proceeds or is held — with a documented basis either way.
EBA findings
The EBA called this the leading pain point in September 2025.
The EBA Practitioners Group (20 institutions, 12 countries) published a paper in September 2025 identifying the root causes:
"There is no market-wide standard specifying which data should be used for the VoP check. Every PSP may have a different approach."
Common causes of false close-match and no-match:
- Trade name ≠ legal name (Müller Elektroanlagen vs. Müller GmbH)
- Legal form abbreviation (GmbH vs. full legal form)
- Name truncation (SCT Inst 70-char limit vs. 140-char legal name)
- Diacritics handled inconsistently across PSP systems
- Virtual IBANs — sub-accounts returning different holder names
None of these are fraud. All of them need resolution. sikker.me resolves them with a registry lookup.
What we provide
The VoP resolution layer. Nothing more. Nothing less.
- Close-match resolution — registry confirms or contradicts
- Unable-to-verify triage — registry lookup in < 3 seconds
- Full audit trail — liability documentation for every result
- Continuous monitoring — alert before the next payment runs
- Registry-sourced records — exportable, audit-defensible, AMLR-ready
- Single API endpoint — POST /v1/verify — no workflow change
Regulatory timeline
VoP is Wave 1. Four more are coming.
Oct 2025
VoP mandatory (LIVE)
34% grey-zone (French market). No standard resolution tool.
Jul 2026
AMLA submits CDD RTS to European Commission
Registry verification on track to become compliance baseline from July 2027.
2027–28
PSR / PSD3
VoP extends to ALL EU currencies + RTGS. Platform liability for fraud on their infrastructure.
The resolution infrastructure you build for Wave 1 covers the full sequence. Build it once.
Resolve your grey zone. Start today.
First 10 verifications free. API access on request.
Currently onboarding design partners in France, Italy, Germany.