Real-time account name verification from 15p. Reduce APP fraud, prevent misdirected payments, and get a free modulus check plus bank details in every response.
Access to Confirmation of Payee requires an active Enterprise SLA. View Enterprise SLA
CoP stands for Confirmation of Payee - a suite of name-checking services introduced by UK regulators to combat fraud and reduce misdirected payments. Our CoP services cover both Confirmation of Payee and Confirmation of Payer.
When you send money to someone, Confirmation of Payee checks whether the name you've been given matches the name on the receiving account. This verifies the payee (recipient) details before you make a payment.
When you receive money from someone, Confirmation of Payer verifies that the name provided matches the name on the sending account. This confirms the payer (sender) identity, helping businesses verify who is making a payment to them.
Access to Confirmation of Payee and Confirmation of Payer requires an active Enterprise SLA. Standard pay-as-you-go accounts do not include CoP.
Both services use the same verification technology and infrastructure. The only difference is the direction: checking outgoing payments (Payee) vs. incoming payments (Payer). Our pricing is the same for both services.
As of 2024, all UK Payment Service Providers (PSPs) must offer Confirmation of Payee checking for payments over £1,000 and other high-risk transactions.
Verify recipient details before sending payments
Verify sender details when receiving payments
Real-time name verification in four simple steps
User provides payee name, sort code, and account number
We query the receiving bank to verify the account holder name
Receive match status: Full Match, Close Match, or No Match
User can proceed with confidence or fix any discrepancies
The name provided matches the account holder name exactly. Payment can proceed safely.
The name is similar but not exact (e.g., missing middle name, abbreviation). User should verify before proceeding.
The name does not match the account holder. Payment should not proceed without further verification.
The receiving bank doesn't support CoP or the account couldn't be checked. Use additional verification.
Protect your business and your customers
Stop Authorized Push Payment (APP) fraud before it happens. Detect when fraudsters provide fake account details.
Catch typos and data entry errors that lead to money being sent to the wrong account.
Meet UK regulatory requirements for CoP checking on qualifying payments.
Demonstrate duty of care to your customers by implementing fraud prevention measures.
Reduce your liability for fraud losses by implementing industry best practices.
Give customers peace of mind with instant verification before they send money.
Every CoP request includes a complimentary modulus check and full bank branch details at no extra cost.
More than just name verification - get comprehensive account information
Every CoP verification includes additional valuable data at no extra charge:
Save money and API calls - Instead of making separate requests to our Modulus Checking API, you get all this data included with every CoP verification.
Better fraud detection - Cross-reference the name match with account validity and bank details for comprehensive verification.
Enhanced user experience - Display bank details to users for additional confidence before payment.
💡 One API call gives you CoP verification, modulus checking, and full bank details
Add CoP verification to your platform in minutes
curl -X GET "https://wsp.esortcode.com/uk/v1/cop?key=YOUR_API_KEY&sortcode=200000&accountNumber=12345678&name=John%20Smith&accountType=PERSONAL"const apiKey = 'YOUR_API_KEY';
const sortCode = '200000';
const accountNumber = '12345678';
const name = encodeURIComponent('John Smith');
const accountType = 'PERSONAL';
const url = `https://wsp.esortcode.com/uk/v1/cop?key=${apiKey}&sortcode=${sortCode}&accountNumber=${accountNumber}&name=${name}&accountType=${accountType}`;
const response = await fetch(url);
const result = await response.json();import requests
from urllib.parse import quote
api_key = 'YOUR_API_KEY'
sort_code = '200000'
account_number = '12345678'
name = quote('John Smith')
account_type = 'PERSONAL'
url = f'https://wsp.esortcode.com/uk/v1/cop?key={api_key}&sortcode={sort_code}&accountNumber={account_number}&name={name}&accountType={account_type}'
response = requests.get(url)
result = response.json()$apiKey = 'YOUR_API_KEY';
$sortCode = '200000';
$accountNumber = '12345678';
$name = urlencode('John Smith');
$accountType = 'PERSONAL';
$url = "https://wsp.esortcode.com/uk/v1/cop?key={$apiKey}&sortcode={$sortCode}&accountNumber={$accountNumber}&name={$name}&accountType={$accountType}";
$ch = curl_init($url);
curl_setopt($ch, CURLOPT_RETURNTRANSFER, true);
$result = json_decode(curl_exec($ch), true);
curl_close($ch);{
"cop": {
"code": "MATCHED",
"name": "",
"description": "The account name and account type match the name and account type provided.",
"advice": "You can proceed with the creation of the Direct Debit Instruction."
},
"modulusCheck": {
"sortcode": "200000",
"accountNumber": "12345678",
"valid": true
},
"branches": [
{
"bankName": "BARCLAYS BANK PLC",
"branchTitle": "Head Office",
"address1": "1 Churchill Place",
"town": "London",
"postcode": "E14 5HP",
"bacsPayments": true,
"directDebits": true,
"directCredits": true
}
]
}Volume discounts from 25p down to 15p per check. Enterprise SLA required to access CoP.
CoP is available only with an active Enterprise SLA (£99 + VAT / month or £990 + VAT / year). Per-check prices below apply once that agreement is in place.
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Enterprise SLA required to access CoP · from 15p per check
Higher packs unlock lower per-check rates
Industries and teams that rely on name checks before money moves
Meet regulatory requirements while protecting customers from fraud and misdirected payments.
Verify seller and supplier bank details before releasing funds or making payments.
Validate payee details when setting up new suppliers or processing refunds.
Verify employee bank details during onboarding to prevent payroll errors.
Confirm borrower account details before disbursing loan funds.
Validate claimant account details before processing insurance payouts.
Confirmation of Payee is available only with an active Enterprise SLA. That same agreement includes 100% uptime on our infrastructure and free access to our BACS Bureau software via a regulated third party.
Penalties if we miss SLA
Isolated from standard
24/7 priority support
Better cash flow
Or £990 + VAT / year · dedicated account manager · includes BACS Bureau software
Enterprise SLA is required to access Confirmation of Payee. Get started with that agreement and start verifying payee details.
Enterprise SLA required · CoP from 15p per check