Symptom
Verification of payee functionality is required in SAP BCM to comply with Regulation 2024/886 of the European Parliament, effective as of 09.10.2025.
The result of the verification check is delivered via pain.002 payment status reports from the bank to the payment initiator.
New status codes related to verification of payee were introduced in the ISO20022 standard as of 28.02.2025, including:
- RCVC ReceivedVerificationCompleted
- RVMC ReceivedVerificationCompletedMatchClosely
- RVNC ReceivedVerificationNotCompleted
- RVNM ReceivedVerificationCompletedNoMatch
In cases of "close match," banks may provide the correct account holder's name in the pain.002 file.
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Environment
- SAP S/4HANA
- SAP BCM (Bank Communication Management)
- SAP_APPL 606
- SAP_FIN 617
- SAP_FIN 618
- SAP_FIN 720
- SAP_FIN 730
Product
Keywords
verification of payee, SAP BCM, EU Regulation 2024/886, SEPA payments, pain.002, ISO20022, external status codes, ReceivedVerificationCompleted, ReceivedVerificationCompletedMatchClosely, ReceivedVerificationNotCompleted, ReceivedVerificationCompletedNoMatch, payee name, close match, instant payments, SAP S/4HANA , KBA , FIN-FSCM-BNK , Direct Bank Communication , How To
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