DOC-1151/VOP-000: Single-page guide

docs/topics/payments/credit-transfers/sepa/guide-add-beneficiary.mdx

@@ -4,6 +4,10 @@ title: Add a trusted SEPA beneficiary
 
 # Add a trusted SEPA beneficiary
 
+:::warning VoP integration required
+Starting October 9, 2025, trusted beneficiaries require a [Verification of Payee (VoP)](verification-of-payee) check before each transfer to comply with EU regulation.
+:::
+
 Add a trusted beneficiary for SEPA Credit Transfers with the API.
 
 ## Add a trusted beneficiary {#guide-add}

docs/topics/payments/credit-transfers/sepa/guide-initiate-ct.mdx

@@ -4,6 +4,10 @@ title: Initiate a credit transfer
 
 # Initiate a credit transfer
 
+:::warning VoP Integration Required
+Starting October 9, 2025, Swan automatically includes [Verification of Payee (VoP)](verification-of-payee) in all SEPA Credit Transfers. For an optimal user experience, consider integrating the `verifyBeneficiary` mutation.
+:::
+
 Send SEPA Credit Transfers, Instant SEPA Credit Transfers, and Swan Internal Credit Transfers with the API.
 Review sample mutations for all three, as well as a payload.
 

docs/topics/payments/credit-transfers/sepa/guide-verify-beneficiary.mdx

@@ -7,6 +7,10 @@ title: Verify a beneficiary
 Verify a beneficiary with the API.
 [Verifying beneficiaries](./index.mdx#beneficiary-verification) reduces the risk of errors and potential fraud.
 
+:::danger Migration required
+The `beneficiaryVerification` query will be deprecated on October 9, 2025. Migrate to the new [Verification of Payee (VoP)](verification-of-payee) instead before the compliance deadline.
+:::
+
 ## Guide {#guide}
 
 1. Call the `beneficiaryVerification` query.

docs/topics/payments/credit-transfers/sepa/index.mdx

@@ -4,6 +4,10 @@ title: SEPA Credit Transfers
 
 # SEPA Credit Transfers
 
+:::warning
+Starting October 9, 2025, Swan automatically includes [Verification of Payee (VoP)](verification-of-payee) in all SEPA Credit Transfers to comply with the EU Instant Payments Regulation.
+:::
+
 ## Overview {#overview}
 
 Transfer euros between accounts located in the [Single Euro Payments Area (SEPA)](../../index.mdx#sepa).
@@ -41,6 +45,10 @@ Due to the manual review, flagged SEPA Credit Transfers take longer to execute.
 
 ### Verifying beneficiaries {#beneficiary-verification}
 
+:::danger Breaking change
+The `beneficiaryVerification` query will be deprecated. Plan [your migration](verification-of-payee) before the compliance deadline to ensure uninterrupted service.
+:::
+
 **IBAN verification** allows debtors to verify that credit transfers are sent to the right beneficiary *before* initiating the transfer, thus reducing errors and potential fraud.
 
 :::info Dutch IBANs only