In the EPC VoP scheme
According to the EPC Document 218-23, "Verification Of Payee Scheme Rulebook" first version for public consultation :
The Responding PSP is the Participant that receives the VOP Request from the Requesting PSP and Instantly processes that VOP Request.
The Responding PSP is also obliged to Instantly send a VOP Response containing a matching result about the received details of the Payment Counterparty or another reason, back to the Requesting PSP.
The Responding PSP may also be the Payment Counterparty.
Worldline provides API and file exchange based services for scheme participants who need to fulfil this role and intend to comply with all its rules.
The following simplified diagram represents how the Worldline VoP services operate on behalf of Responding PSPs in the EPC scheme :
Services
To produce match results on behalf of the Responding PSP, Worldline needs access to account related information of the subject of the Verification of Payee.
Two services are available for that purpose, and are detailed at the following locations in this developer portal :
- Responding PSP API : a real time API definition to expose account holder data to the Worldline VoP Services.
- Account Data Management : an API or file exchange based service for responding PSPs to delegate the storage of account holder data to the Worldline VoP services, then used to produce match results when answering VoP requests.
To learn more about how security at the transport layer is implemented through encryption, token management, and digital signatures to protect communication and authentication processes, please visit our Security pages.