{"id":10223,"date":"2025-10-17T11:37:07","date_gmt":"2025-10-17T09:37:07","guid":{"rendered":"https:\/\/paynopain.com\/glosario\/verificacion-beneficiario\/"},"modified":"2026-01-22T10:11:11","modified_gmt":"2026-01-22T09:11:11","slug":"verificarea-beneficiarului","status":"publish","type":"glosario","link":"https:\/\/paynopain.com\/ro\/glosar\/verificarea-beneficiarului\/","title":{"rendered":"VoP"},"content":{"rendered":"<h2 data-start=\"5041\" data-end=\"5091\"><span class=\"ez-toc-section\" id=\"Ce_este_VoP_sau_verificarea_beneficiarului\"><\/span><strong data-start=\"5044\" data-end=\"5091\">Ce este VoP sau verificarea beneficiarului?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"5093\" data-end=\"5299\"><strong data-start=\"5093\" data-end=\"5123\">Verificarea beneficiarului<\/strong>, cunoscut\u0103 \u0219i ca <strong data-start=\"5141\" data-end=\"5172\">Verification of Payee (VoP)<\/strong>, este un proces de securitate folosit pentru a confirma identitatea destinatarului \u00eenainte de efectuarea unui transfer bancar.<\/p>\n<h2 data-start=\"5301\" data-end=\"5352\"><span class=\"ez-toc-section\" id=\"Cum_functioneaza_verificarea_beneficiarului_VoP\"><\/span><strong data-start=\"5304\" data-end=\"5352\">Cum func\u021bioneaz\u0103 verificarea beneficiarului <\/strong><strong data-start=\"6723\" data-end=\"6782\">(VoP)<\/strong><strong data-start=\"5304\" data-end=\"5352\">?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"5354\" data-end=\"5732\">Sistemul verific\u0103 dac\u0103 <strong data-start=\"5377\" data-end=\"5402\">numele beneficiarului<\/strong> \u0219i <strong data-start=\"5406\" data-end=\"5433\">num\u0103rul contului (IBAN)<\/strong> corespund cu \u00eenregistr\u0103rile b\u0103ncii destinatare. Dac\u0103 exist\u0103 o neconcordan\u021b\u0103, <strong data-start=\"5511\" data-end=\"5542\">utilizatorul este avertizat<\/strong> pentru a revizui informa\u021biile \u00eenainte de a finaliza transferul. Cu alte cuvinte, este un filtru de securitate care previne fraudele \u0219i erorile, asigur\u00e2nd c\u0103 banii ajung la persoana corect\u0103.<\/p>\n<h2 data-start=\"5734\" data-end=\"5777\"><span class=\"ez-toc-section\" id=\"Ce_beneficii_are_pentru_utilizatori\"><\/span><strong data-start=\"5737\" data-end=\"5777\">Ce beneficii are pentru utilizatori?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul data-start=\"5779\" data-end=\"6253\">\n<li data-start=\"5779\" data-end=\"5914\">\n<p data-start=\"5781\" data-end=\"5914\"><strong data-start=\"5781\" data-end=\"5800\">Previne erorile<\/strong> \u00een transferuri, verific\u00e2nd datele \u00eenainte de trimiterea banilor \u0219i evit\u00e2nd transferurile c\u0103tre conturi gre\u0219ite.<\/p>\n<\/li>\n<li data-start=\"5915\" data-end=\"6018\">\n<p data-start=\"5917\" data-end=\"6018\"><strong data-start=\"5917\" data-end=\"5951\">Protejeaz\u0103 \u00eempotriva fraudelor<\/strong>, detect\u00e2nd date false \u0219i avertiz\u00e2nd despre posibile escrocherii.<\/p>\n<\/li>\n<li data-start=\"6019\" data-end=\"6119\">\n<p data-start=\"6021\" data-end=\"6119\">Ofer\u0103 <strong data-start=\"6027\" data-end=\"6050\">alerte \u00een timp real<\/strong> dac\u0103 datele destinatarului nu corespund, permi\u021b\u00e2nd corectarea lor.<\/p>\n<\/li>\n<li data-start=\"6120\" data-end=\"6253\">\n<p data-start=\"6122\" data-end=\"6253\">Ofer\u0103 <strong data-start=\"6128\" data-end=\"6152\">\u00eencredere \u0219i lini\u0219te<\/strong>, asigur\u00e2nd c\u0103 banii ajung la destinatarul corect \u0219i f\u0103c\u00e2nd transferurile mai sigure \u0219i transparente.<\/p>\n<\/li>\n<\/ul>\n<h2 data-start=\"6255\" data-end=\"6300\"><span class=\"ez-toc-section\" id=\"Care_sunt_responsabilitatile_bancilor\"><\/span><strong data-start=\"6258\" data-end=\"6300\">Care sunt responsabilit\u0103\u021bile b\u0103ncilor?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul data-start=\"6302\" data-end=\"6718\">\n<li data-start=\"6302\" data-end=\"6390\">\n<p data-start=\"6304\" data-end=\"6390\"><strong data-start=\"6304\" data-end=\"6335\">Integrarea acestui serviciu<\/strong> \u00een sistemele de plat\u0103 \u0219i men\u021binerea lui actualizat\u0103.<\/p>\n<\/li>\n<li data-start=\"6391\" data-end=\"6470\">\n<p data-start=\"6393\" data-end=\"6470\"><strong data-start=\"6393\" data-end=\"6432\">Avertizarea privind neconcordan\u021bele<\/strong> \u00eenainte de procesarea transferului.<\/p>\n<\/li>\n<li data-start=\"6471\" data-end=\"6562\">\n<p data-start=\"6473\" data-end=\"6562\"><strong data-start=\"6473\" data-end=\"6505\">Oferirea serviciului gratuit<\/strong>, astfel \u00eenc\u00e2t clien\u021bii s\u0103 \u00eel foloseasc\u0103 f\u0103r\u0103 re\u021bineri.<\/p>\n<\/li>\n<li data-start=\"6563\" data-end=\"6718\">\n<p data-start=\"6565\" data-end=\"6718\">O <strong data-start=\"6567\" data-end=\"6596\">responsabilitate mai mare<\/strong> dac\u0103 verificarea nu este aplicat\u0103 \u0219i are loc o fraud\u0103; banca poate fi obligat\u0103 s\u0103 <strong data-start=\"6679\" data-end=\"6693\">ramburseze<\/strong> suma clientului afectat.<\/p>\n<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Cand_intra_in_vigoare_verificarea_beneficiarului_sau_VoP\"><\/span>C\u00e2nd intr\u0103 \u00een vigoare verificarea beneficiarului sau VoP?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Regulamentul face parte din noul Regulament privind Pl\u0103\u021bile Instantanee, cunoscut \u0219i ca IPR, \u0219i este deja \u00een vigoare. La data de 1 ianuarie 2026, termenele de aplicare sunt urm\u0103toarele:<\/p>\n<h3>Zon\u0103 euro<\/h3>\n<p>Verificarea beneficiarului este<a href=\"https:\/\/www.ecb.europa.eu\/paym\/retail\/instant_payments\/html\/instant_payments_regulation.en.html\"><strong> obligatorie \u00eencep\u00e2nd cu 9 octombrie 2025<\/strong><\/a> pentru to\u021bi <a href=\"https:\/\/paynopain.com\/ro\/glosar\/furnizor-de-servicii-de-plata-fsp\/\"><strong>furnizorii de servicii de plat\u0103 (PSP)<\/strong> <\/a>din zona euro care efectueaz\u0103 transferuri \u00een euro, inclusiv pl\u0103\u021bi instantanee \u0219i transferuri standard.<\/p>\n<h3>\u021a\u0103rile UE din afara zonei euro<\/h3>\n<p>Pentru statele membre ale UE care nu utilizeaz\u0103 euro ca moned\u0103, obliga\u021bia de a oferi VoP asociat pl\u0103\u021bilor \u00een euro are termenul de <strong>9 iulie 2027<\/strong>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ce este?<\/p>\n<p>Verificarea beneficiarului, cunoscut\u0103 \u0219i ca Verification of Payee (VoP), este un proces de securitate folosit pentru a confirma identitatea destinatarului \u00eenainte de efectuarea unui transfer bancar.<\/p>\n","protected":false},"featured_media":8304,"template":"","meta":{"_acf_changed":false},"class_list":["post-10223","glosario","type-glosario","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - 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