What happens with names containing special or non-Latin Characters?

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When a payee name includes special or non-Latin characters (such as accents or umlauts), the name is automatically converted to Latin characters in accordance with the European Payments Council (EPC) rulebook. This ensures consistency and compatibility across payment systems.

The beneficiary’s payment service provider (PSP) will return a result based on the converted name, which may include Latin characters or retain some special characters depending on the PSP’s handling.

If the converted name closely resembles the original but is not an exact match, a close match result may be returned.

If the converted name aligns fully with the account holder’s name, a match result will be returned.

Examples:

• “José Álvarez” → “JOSE ALVAREZ” → match, if all other details align.
• “Müller GmbH” → “MUELLER GMBH” (where “ü” is converted to “ue” or “u”) → match or close match, depending on the PSP’s interpretation.
• Peña S.A.” vs “PENA SA” → accents/punctuation normalized → likely match