Completing the Instant Payments Puzzle: Why Treasurers Need EuroBlackList

June 8, 2025

As Europe enters the era of mandatory instant payments, speed is no longer a bonus—it's the law. For treasurers, this means executing real-time payments with zero room for error, even as the risk of fraud, default, and reputational damage continues to grow.

You already have VoP (Verification of Payee) and LEI (Legal Entity Identifier). These tools answer:

"Is this the right account?"

"Is this a legitimate entity?"

But they don't answer the most critical question:

"Should we be paying this entity at all?"

Enter EuroBlackList: Behavioral Intelligence for Treasury

EuroBlackList (EBL) fills that missing layer of protection. It's a peer-driven reputational risk network that helps treasurers avoid unethical or unreliable counterparties—before funds are released.

With EBL, you can:

• Flag companies with a track record of late or missing payments • Access a shared risk database from verified business peers • Automate alerts and integrate risk checks into your payment workflow

Especially useful when:

• VoP and LEI are fine, but something still feels "off" • Dealing with new or cross-border suppliers • Reputational or financial risks outweigh the transaction amount

Legal Backing: The EBL Clause & GDPR Compliance

All EBL members use the standard EBL clause in their contracts, informing partners that payment behavior may be monitored and (if justified) shared. This is fully compliant with GDPR Article 6(1)(f) – protecting legitimate interests like fraud prevention and fair commercial practices.

Data shared is:

• Minimal • Proportionate • Transparent • Governed by strict legal oversight

EBL's Double Advantage: Prevention + Recognition

Our RegTech innovation delivers more than protection:

• EuroBlackList flags risk early—deterring fraud and unethical conduct. • EuroComPay (coming soon) rewards good payers with a pan-European trust seal.

Together, they form a closed feedback loop: stop the bad actors, spotlight the good ones.

Seamless Integration for Treasury Teams

• API-ready for ERP and TMS systems • Lightweight and automation-friendly • Complements VoP and LEI—not a replacement, but a critical extension

Aligning with ESG and Governance

With ESG top of mind, EBL strengthens the G in Governance by:

• Promoting timely and ethical payment behavior • Supporting transparent procurement processes • Aligning with upcoming EU regulation on late payments

Coming Soon: The EuroComPay Trust Seal

The EuroComPay Seal will help businesses:

• Prove payment integrity • Stand out in vendor and buyer selection • Signal trustworthiness across borders

EBL isn't just risk prevention—it's reputational capital.

Final Word

✅ VoP shows where the money is going ✅ LEI confirms who you're paying ✅ EuroBlackList helps you decide if they deserve to be paid

In the age of instant payments, behavioral risk intelligence is the missing piece. EuroBlackList completes the puzzle—protecting your cash flow, reputation, and governance from day one.

Completing the Instant Payments Puzzle: Why Treasurers Need EuroBlackList

Key Takeaways

  • GDPR compliance is mandatory for international data transfers
  • The European Commission updates adequacy decisions regularly
  • SCCs and BCRs provide safeguards for transfers to non-adequate countries
  • Non-compliance leads to fines up to €20 million
  • U.S. data transfers require extra scrutiny post-Privacy Shield