{"product_id":"vop-2027-euro-mottagarkontroll-bankbesked","title":"VoP 2027 – terminal check during euro payment, discrepancy and batch | Word\/PDF\/Excel","description":"\u003csection lang=\"sv\" style=\"line-height:1.65;color:#173A55\"\u003e\n\u003cp\u003e\u003cstrong\u003eWhat does your company do when the bank's payee check shows \"Close match\", \"No match\" or \"Check not possible\" for a euro payment?\u003c\/strong\u003e From \u003cstrong\u003e9 July 2027\u003c\/strong\u003e, payment service providers in EU countries outside the euro area, including Sweden, must generally offer \u003cstrong\u003eVerification of Payee (VoP)\u003c\/strong\u003e under Article 5c of the EU SEPA Regulation, introduced by Regulation \u003cstrong\u003e(EU) 2024\/886\u003c\/strong\u003e. The package helps companies implement a traceable internal process for handling the bank's actual check results and documenting separate payment decisions.\u003c\/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eQuick facts:\u003c\/strong\u003e Five Swedish templates for EUR credit transfers, a Swedish guide and an English User Guide, each in editable DOCX and searchable A4 PDF format. Also an XLSX workbook with nine tabs and 488 administrative formulas. \u003cstrong\u003e7 DOCX + 7 PDF + 1 XLSX = 15 files\u003c\/strong\u003e in a digital ZIP. The PDFs are not interactively fillable. This Shopify product is a draft until separate publication and Digital Products file linking have been decided.\u003c\/p\u003e\n\n\u003cdiv style=\"border:2px solid #B7D0E0;border-left:6px solid #236D9A;padding:18px 20px;border-radius:9px;background:#EEF6FB;margin:18px 0\"\u003e\n\n\u003ch2 style=\"margin:0 0 8px\"\u003e01. Package contents\u003c\/h2\u003e\n\n\u003cp style=\"margin:0\"\u003eFive standalone Swedish templates: VoP payment procedure, deviation report for the bank's message, independent payee check, batch opt-out risk decision and recipient register\/final attestation. Plus a Swedish and an English user guide. Seven documents in two formats plus an Excel register provide \u003cstrong\u003e15 customer files\u003c\/strong\u003e, not 15 separate legal templates.\u003c\/p\u003e\n\n\n\u003c\/div\u003e\n\n\u003cdiv style=\"border:2px solid #B7D0E0;border-left:6px solid #236D9A;padding:18px 20px;border-radius:9px;background:#EEF6FB;margin:18px 0\"\u003e\n\n\u003ch2 style=\"margin:0 0 8px\"\u003e02. What the files contain\u003c\/h2\u003e\n\n\u003cp style=\"margin:0\"\u003eFields for payment ID, masked account identifier, actual bank status, check result, independent contact source, stop\/investigation, internal two-person attestation, batch selection and actual bank outcome. Excel shows administrative statuses – but does not verify the IBAN against the bank or send and approve payments.\u003c\/p\u003e\n\n\n\u003c\/div\u003e\n\n\u003ch2\u003eWho is the package for?\u003c\/h2\u003e\n\n\u003cp\u003eFor finance departments, accounting consultants, CFOs, accounts payable, and Swedish companies that pay suppliers or other recipients via \u003cstrong\u003eSEPA credit transfers in euros\u003c\/strong\u003e, both standard transfers and SEPA Instant when the relevant bank function is available. Especially for businesses with multiple European suppliers, many payment files or a documented attestation procedure.\u003c\/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eNot for:\u003c\/strong\u003e general Swedish SEK\/Bankgiro payments, direct debit, the banks' technical VoP service, bank authentication or automatic payment initiation. The EU requirement to offer VoP rests with the payment service provider, not with every ordinary Swedish company. The bank may offer the function before the general 2027 deadline; check actual support and contractual terms.\u003c\/p\u003e\n\n\u003ch2\u003eExactly what is included in the 15 customer files?\u003c\/h2\u003e\n\n\u003cdiv style=\"overflow-x:auto\"\u003e\u003ctable style=\"width:100%;min-width:670px;border-collapse:collapse\"\u003e\n\n\u003cthead\u003e\u003ctr style=\"background:#DEEBF4\"\u003e\n\n\u003cth scope=\"col\" style=\"padding:8px;text-align:left\"\u003eDocument\u003c\/th\u003e\n\n\u003cth scope=\"col\" style=\"padding:8px;text-align:left\"\u003ePractical benefit\u003c\/th\u003e\n\n\u003cth scope=\"col\" style=\"padding:8px;text-align:left\"\u003eLanguage\u003c\/th\u003e\n\n\u003cth scope=\"col\" style=\"padding:8px;text-align:left\"\u003eFormat\u003c\/th\u003e\n\n\n\u003c\/tr\u003e\u003c\/thead\u003e\n\n\u003ctbody\u003e\n\n\u003ctr\u003e\n\n\u003ctd\u003e01 VoP payment procedure – euro\u003c\/td\u003e\n\n\u003ctd\u003eBank channel, approval steps and handling of four result categories.\u003c\/td\u003e\n\n\u003ctd\u003eSV\u003c\/td\u003e\n\n\u003ctd\u003eDOCX + PDF\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\u003ctr\u003e\n\n\u003ctd\u003e02 Deviation report\u003c\/td\u003e\n\n\u003ctd\u003eDocument the bank's result, internal block, investigation and decision-maker.\u003c\/td\u003e\n\n\u003ctd\u003eSV\u003c\/td\u003e\n\n\u003ctd\u003eDOCX + PDF\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\u003ctr\u003e\n\n\u003ctd\u003e03 Independent payee check\u003c\/td\u003e\n\n\u003ctd\u003eVerification via a previously trusted channel and documented mandate, not email from an unknown sender.\u003c\/td\u003e\n\n\u003ctd\u003eSV\u003c\/td\u003e\n\n\u003ctd\u003eDOCX + PDF\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\u003ctr\u003e\n\n\u003ctd\u003e04 Batch opt-out and risk decision\u003c\/td\u003e\n\n\u003ctd\u003eSeparate review of non-consumer payment batches with more than one order.\u003c\/td\u003e\n\n\u003ctd\u003eSV\u003c\/td\u003e\n\n\u003ctd\u003eDOCX + PDF\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\u003ctr\u003e\n\n\u003ctd\u003e05 Recipient register and final attestation\u003c\/td\u003e\n\n\u003ctd\u003eChain of evidence between recipient, bank result, internal attestation and actual bank outcome.\u003c\/td\u003e\n\n\u003ctd\u003eSV\u003c\/td\u003e\n\n\u003ctd\u003eDOCX + PDF\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\u003ctr\u003e\n\n\u003ctd\u003e06 Swedish User Guide\u003c\/td\u003e\n\n\u003ctd\u003eApplication, legal caveats, scenarios and implementation in the business.\u003c\/td\u003e\n\n\u003ctd\u003eSV\u003c\/td\u003e\n\n\u003ctd\u003eDOCX + PDF\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\u003ctr\u003e\n\n\u003ctd\u003e07 English User Guide\u003c\/td\u003e\n\n\u003ctd\u003eInstructions for the Swedish operational templates; not full translations of the five working documents.\u003c\/td\u003e\n\n\u003ctd\u003eEN\u003c\/td\u003e\n\n\u003ctd\u003eDOCX + PDF\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\u003ctr\u003e\n\n\u003ctd\u003e08 VoP check register\u003c\/td\u003e\n\n\u003ctd\u003eNine XLSX tabs, follow-up and secure internal status logic, without macros.\u003c\/td\u003e\n\n\u003ctd\u003eSV\u003c\/td\u003e\n\n\u003ctd\u003eXLSX\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\n\u003c\/tbody\u003e\n\n\n\u003c\/table\u003e\u003c\/div\u003e\n\n\u003cp\u003eThe Word files are editable and the PDF files are searchable\/printable A4 copies \u003cstrong\u003ewithout digital form fields\u003c\/strong\u003e. There are seven independent documents; the PDF versions are formatted copies. English includes only a separate user guide.\u003c\/p\u003e\n\n\u003ch2\u003eExcel: nine tabs for actual bank messages\u003c\/h2\u003e\n\n\u003cp\u003e\u003cstrong\u003eRead me, Overview, Payment cases, VoP results, Re-checks, Batch decisions, Recipients, Actions and Sources\u003c\/strong\u003e. Record only the actually observed bank results: \u003cstrong\u003eMatch, Close match, No match or Not possible\u003c\/strong\u003e. Payment cases may show \"BLOCK – INVESTIGATE RECIPIENT\", \"BLOCK – CHECK NOT POSSIBLE\", \"AWAIT ATTESTATION\" or \"FOR MANUAL PAYMENT DECISION\". The latter is \u003cem\u003enot an approval\u003c\/em\u003e, just a suggestion for further manual check.\u003c\/p\u003e\n\n\u003cp\u003eExcel separates EUR from SEK and requires a positive amount for the expected administrative outcome. In batch selection opt-out, it is checked, among other things, that the user is not a consumer, that the batch has more than one order and that attestation and actual bank confirmation have been registered. The workbook has \u003cstrong\u003e488 formulas\u003c\/strong\u003e, nine tabs and has passed six payment test cases as well as three batch cases. The nine test entries are not included in the customer version. No full IBANs, account permissions or real payments are entered.\u003c\/p\u003e\n\n\u003ch2\u003eHow to use the package – concrete workflow\u003c\/h2\u003e\n\n\u003col\u003e\n\n\u003cli\u003eCheck that it applies to euro credit transfers, the relevant bank and actual payment service. Mixed or unknown payment channels must be separated.\u003c\/li\u003e\n\n\u003cli\u003eDecide which cashier, accounts payable manager and attestor may register and investigate VoP deviations.\u003c\/li\u003e\n\n\u003cli\u003eBefore the bank's approval step: document the bank's actual VoP result and reference in templates 01, 02 and Excel.\u003c\/li\u003e\n\n\u003cli\u003eIn Close match\/No match\/Not possible: perform an independent re-check via a previously known and reliable source. Do not use new contact details in a suspicious invoice or email.\u003c\/li\u003e\n\n\u003cli\u003eIf the company sends several euro payment orders in the same file: make a special decision to use or opt out of VoP according to Article 5c.6. The payment service user shall be able to opt back in.\u003c\/li\u003e\n\n\u003cli\u003ePerform separate ordinary invoice check and payment attestation. Never initiate payment based solely on an Excel status as a basis.\u003c\/li\u003e\n\n\u003cli\u003eDocument the bank's actual transaction outcome, chain of evidence, open actions and disposal according to the business's security policy.\u003c\/li\u003e\n\n\n\u003c\/ol\u003e\n\n\u003ch2\u003eLegal basis – what comes into force and what is covered?\u003c\/h2\u003e\n\n\u003cp\u003e\u003cstrong\u003eEU 2024\/886 and Article 5c of Regulation 260\/2012:\u003c\/strong\u003e payment service providers shall offer payee check so that the payer can compare the recipient's name or other identification with the account identifier before approval. When the bank's check shows a deviation, the payer shall be informed of the risks. This does not mean that every mediated bank response is proof of the payment recipient's business legitimacy.\u003c\/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eDate:\u003c\/strong\u003e 9 October 2025 for PSPs in the euro area; \u003cstrong\u003e9 July 2027\u003c\/strong\u003e for PSPs in non-euro areas such as Sweden. The service applies to ordinary and instant euro credit transfers. \u003ca href=\"https:\/\/www.ecb.europa.eu\/paym\/retail\/instant_payments\/html\/instant_payments_regulation.en.html\"\u003eECB's timeline\u003c\/a\u003e.\u003c\/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eThe batch exemption:\u003c\/strong\u003e Article 5c.6 gives payment service users who are not consumers the option to opt out of VoP when they submit several payment orders as a package, and the right to opt back in at any time. This is a voluntary choice – not a mandatory business block and not a general exemption from other risk controls. \u003ca href=\"https:\/\/www.europeanpaymentscouncil.eu\/faq\/verification-payee-scheme\/rulebook\/clarifications-about-provision-vop-services-bulk-files\"\u003eEuropean Payments Council explains this\u003c\/a\u003e.\u003c\/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eNo automation:\u003c\/strong\u003e Match does not replace due diligence, contractual check, check of fraudulent invoices, the organization's attestation procedure or the bank's actual payment process. A payment carried out incorrectly cannot be assumed to be refunded solely due to the use of these templates. Full IBANs and personal data must be handled in protected systems.\u003c\/p\u003e\n\n\u003ch2\u003eDifference from Mallbutiken's existing templates\u003c\/h2\u003e\n\n\u003cp\u003e\u003ca href=\"\/en\/products\/leverantor-bankuppgiftsandring-verifiering-aterringning-excel\"\u003eSupplier bank detail change and verification\u003c\/a\u003e refers to the event when a supplier requests a new bank account, with re-routing and change attestation. This product instead refers to \u003cstrong\u003ethe bank's actual VoP message during a euro payment\u003c\/strong\u003e – even if no account has changed – and a specially documented batch opt-out choice according to the EU's new rule.\u003c\/p\u003e\n\n\u003ch2\u003eFrequently asked questions about VoP 2027\u003c\/h2\u003e\n\n\u003ch3\u003eMust Swedish companies have VoP as their own IT system from July 2027?\u003c\/h3\u003e\n\n\u003cp\u003eNo. Article 5c places the obligation to offer payee check on payment service providers. Companies should, however, adapt their internal payment flow and their handling of the bank's check results.\u003c\/p\u003e\n\n\u003ch3\u003eDoes VoP also apply to ordinary Swedish SEK transfers?\u003c\/h3\u003e\n\n\u003cp\u003eThis EU regulation and product package refers to euro credit transfers. This does not automatically mean that Bankgiro, Swish or all payments in Swedish krona are covered by the same service.\u003c\/p\u003e\n\n\u003ch3\u003eWhat do we do when the bank shows \"Close match\"?\u003c\/h3\u003e\n\n\u003cp\u003eInvestigate the registered recipient, the bank's proposed name and any legitimate name variant. Use a previously trusted independent contact channel. Close match should not be equated with a secure recipient.\u003c\/p\u003e\n\n\u003ch3\u003eIs \"Match\" an approval to send the money?\u003c\/h3\u003e\n\n\u003cp\u003eNo. Match is a bank response about the name\/account identification, not a payment attestation or guarantee against social manipulation or a fake invoice.\u003c\/p\u003e\n\n\u003ch3\u003eCan companies opt out of the check for batch payments?\u003c\/h3\u003e\n\n\u003cp\u003eCompanies and other non-consumers can, according to Article 5c.6, opt out of VoP for several orders in the same package, and shall be able to opt back in. Check the bank's actual function and document the risk decision.\u003c\/p\u003e\n\n\u003ch3\u003eAre there Swedish and English master templates?\u003c\/h3\u003e\n\n\u003cp\u003eFive standalone Swedish templates, a Swedish guide and an Excel register. An English User Guide is included, but the five working templates are not translated into English.\u003c\/p\u003e\n\n\u003ch3\u003eAre the PDF files digitally fillable?\u003c\/h3\u003e\n\n\u003cp\u003eNo. They are searchable and printable PDF format copies without interactive form fields. Edit the DOCX files to fill in your own details.\u003c\/p\u003e\n\n\u003ch2\u003eSources and quality status\u003c\/h2\u003e\n\n\u003cp\u003ePrimary sources: \u003ca href=\"https:\/\/eur-lex.europa.eu\/legal-content\/SV\/TXT\/?uri=CELEX:32024R0886\"\u003eEU Regulation 2024\/886\u003c\/a\u003e, especially Article 5c of amended EU 260\/2012, \u003ca href=\"https:\/\/www.ecb.europa.eu\/paym\/retail\/instant_payments\/html\/instant_payments_regulation.en.html\"\u003eEuropean Central Bank, Instant Payments Regulation\u003c\/a\u003e and \u003ca href=\"https:\/\/www.europeanpaymentscouncil.eu\/faq\/verification-payee-scheme\/rulebook\/clarifications-about-provision-vop-services-bulk-files\"\u003eEPC's VoP guidance for corporate batches\u003c\/a\u003e. Data protection: \u003ca href=\"https:\/\/eur-lex.europa.eu\/legal-content\/SV\/TXT\/?uri=CELEX:32016R0679\"\u003eGDPR\u003c\/a\u003e.\u003c\/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eEdition 1.0, AI-assisted legal and technical source check November 8, 2026.\u003c\/strong\u003e No documented external legal review or authority\/bank certification. The functions do not rely on access to the customer's bank and have not been tested against real bank orders. The seller does not claim that this template alone ensures regulatory compliance.\u003c\/p\u003e\n\n\u003c\/section\u003e","brand":"Svenska Dokumentmallar","offers":[{"title":"Default Title","offer_id":56553992847702,"sku":"MB-VOP-EURO-2027-V1","price":79.0,"currency_code":"SEK","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0827\/2373\/3846\/files\/mallbutiken-01_VoP_2027_huvudbild_1600.png?v=1794164171","url":"https:\/\/mallbutiken.se\/en\/products\/vop-2027-euro-mottagarkontroll-bankbesked","provider":"Mallbutiken","version":"1.0","type":"link"}