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SEPA

Curated insights and technical field notes on SEPA.

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Euro payments now name-check the payee before they move

Since October 2025, euro credit transfers run a Verification of Payee check before they settle, and a name-IBAN mismatch triggers an alert. It hits US treasuries paying EUR vendors and payroll as hard as it hits EU banks, and the same name checks are a fair bet to reach FedNow and RTP next.

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