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have you heard about the verification of pay or verification of beneficiary scheme it is the new scheme that is been developed by the European payment Council before presenting it let us briefly review the different schemes the EPC has created so far the European payment Council or simply EPC is responsible for the management of sepa schemes on the EPC website the schemes are classified into two categories the the EPC payment schemes and Order schemes before looking into them let us first review the definition of a scheme a payment scheme is simply a set of rules which payment service providers have agreed upon to execute transaction through a specific payment instrument such as credit transfer direct debit or C it is different from a payment system which is a technical infrastructure that processes transactions in line with the rules defined in the payment scheme a scheme therefore provides the rules that all participant to that scheme must comply with as next step we need to understa
