Does VoP guarantee my payment will reach the correct recipient?

No. VoP helps verify data consistency — specifically, that the entered name matches the account holder's name. If there is a mismatch, the payer is alerted. The payer can either:

• Correct the data and resubmit the transfer (subject to VoP again), or
• Accept the risk and proceed with the original instruction, possibly sending the money to the wrong person.