Account Validation Solution

Confirmation of Payee (CoP) provides a layer of assurance that allows clients to verify the name, sort code, and account number on an account before initiating a payment or setting up a payment instruction. By offering direct access to the UK's regulated Confirmation of Payee network via API, the service provides real-time verification for both personal and business accounts.
Benefits
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Improves operational efficiency
Lowers the operational costs and administrative burden of manually onboarding suppliers, investigating bounced payments, and managing failed Direct Debit setups.
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Mitigates fraud risk
By validating the account owner in real-time, Confirmation of Payee systematically intercepts malicious transactions, drastically cutting exposure to APP (Authorised Push Payment) fraud and supplier impersonation by ensuring you are paying the correct entity.
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Broader market reach
By validating against live bank ledgers, it can successfully verify consumers and businesses that might be invisible to traditional credit bureau searches.
Key Features
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      Returns specific match responses (Full Match, Close Match, No Match, or Unable to verify) alongside detailed reason codes and textual explanations.
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      Validates business accounts using either the registered legal name or a trading name, personal accounts (including handling common name contractions) and joint accounts.
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      Supports building society roll numbers and credit union references.
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      Can be integrated via a real-time synchronous API or utilised for high-volume batch file uploads.

Use Cases
This product is for businesses that need to:
  • Conduct Payer Name Verification before setting up a new Direct Debit mandate to reduce rejection rates and prevent costly indemnity claims.
  • Validate business bank details during supplier onboarding, or when bank detail changes are requested, to stop invoice redirection fraud and ensure funds go to intended recipients.

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