A. General principle

EDS means “EPC Directory Service”. The following functions are available through the EDS web interface:

• Consultation of scheme participants
• Consultation and update of operational information related to the adherence to the VOP scheme: PSD2 National Authorisation Numbers (NAN), supported options, operational contact email addresses, operational readiness date, details about API-endpoints (URI, environment, priority, version, effective dates and time), account holding BICs.
• Management by the scheme participants of the “delegation” of the above tasks to RVMs so that Qombo can fully operate the EDS on behalf of scheme participants

The VOP scheme adherence process consists of two key steps:

1. Documental adherence– submission and approval of adherence documents.
2. EDS onboarding and update– self-registration in the EDS by applicants

B. Adherence to the EPC Directory Service (EDS)

3 documents are required for EU PSPs :

1. Annex 1 - Adherence agreement
2. Annex 2 - Schedule (Word and Excel)
3. Annex 3 - Legal opinion
4. Annex 4 - Legal opinion (for non E.U. PSPs)

You can access the template documents through this link:

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https://www.europeanpaymentscouncil.eu/document-library/other/verification-payee-scheme-adherence-pack

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The EPC provides a guide to facilitate the EDS registration:

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https://www.europeanpaymentscouncil.eu/sites/default/files/kb/file/2025-03/EPC071-25 Approved Guide to the VOP Scheme Adherence Process v1.0.pdf

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The applicants will have the choice between the following two options for the EDS onboarding and update:

• Option 1 - Standard EDS onboarding and update (Option 1)- not recommend
• Option 2 - Simplified EDS onboarding and update (Option 2)

An applicant delegating to Qombo the “EDS onboarding and update” phase, must indicate the email address of Matthieu Fesselier, CTO of Qombo : [email protected] in the field “E-mail address to be used for registration in the EPC Directory Service (EDS)” in the Schedule to the Adherence Agreement (Annex H-2).