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In this area, payee names can be specified for IBAN name matching.


Background

The Verification of Payee (VoP) is mandatory from October 9, 2025 as part of the European requirements for SEPA payment transactions. Your name will be compared with the IBAN provided before each SEPA payment (Bank Transfer). The aim of the IBAN name check is to increase security in payment transactions and reduce the risk of fraud.


In Komfortkasse, names can be specified for an Integrated account in Germany and Austria. (This function is not provided for Switzerland.) If both a Bank account in Germany and in Austria are used, two separate lists are available accordingly.


List

All specified names for the selected Bank account are displayed in the list.

The following data is displayed:

  • Status (In process, Active, Deleted)
  • Your name
  • Cleared name


The Company name specified in Komfortkasse as well as the names and URLs of the connected online shops are automatically created as entries. Added entry. actions can be used to add an additional name (e.g. brand name, trade name, Shop name, etc.). Your name will then be validated by Komfortkasse and the account-holding bank. A meaningful reason must therefore be given as to why the additional name is required.


Error-tolerant name matching and "Cleaned name"

A central component of VoP is that the comparison between the recipient name entered and the names specified in the Bank account is not strictly 1:1, but error-tolerant.

Why error-tolerant?

  • In practice, payers often enter names differently (e.g. "Müller GmbH" vs. "Mueller Gesellschaft mbH").
  • Small typing errors or divergent spellings are also common.
  • Too strict a comparison would generate many false warnings and unnecessarily hinder payments.

Which divergents are tolerated?

According to the specifications of the European Payments Council (EPC), the following differences, among others, are taken into account during cleansing and comparison:

  1. Upper/lower case is ignored ("Müller" = "müller").
  2. Umlauts and special characters are adjusted ("Müller" = "Mueller").
  3. Accents/diacritics are removed ("José" = "Jose").
  4. Punctuation and special characters are ignored ("Müller-GmbH" = "Müller GmbH").
  5. Multiple spaces or leading/trailing spaces are not taken into account.
  6. Salutations and additions such as "Herr", "Frau", "Dr.", "Ltd.", "GmbH & Co. KG" are not taken into account.


The Cleaned name displayed contains a simplified form to avoid duplicate entries.