Make confident payments and protect against fraud with CoP
Confirmation of Payee (CoP) gives you total confidence that you are sending payments to the intended recipient.
Instant verification that the sort code and account number truly belong to an individual gives you a strong layer of fraud protection and avoids financial loss.
Instantly check details at point of collection
Sort code, account number and account name
Full match, close match or no match returns
Check details or bulk upload for large data set checks
When you have reliable and accurate phone numbers for your customers and prospects, your business operates with confidence, efficiency and compliance.
Reduce misdirected or failed payments
Cut admin time and remedial costs
Ensure payments are collected
Ensure payments go to correct account
Reduce fraud and money laundering risk
Check personal and IBAN accounts
Confirmation of Payee ensures accurate payments and peace of mind.
CoP is widely accepted as an effective ‘Know Your Customer’ check by most banks and by the Bacs scheme.
Let’s talk about setting up powerful data validation tools for your business.
Watch how Validate Plus Confirmation of Payee works in real time:
Our modulus check tool improves payment accuracy, saving you time and money. Using the EISCD, it instantly verifies that a bank account exists, is active, and supports Direct Debit, Faster Payments, and CHAPS.
This helps prevent fraud, protect cash flow, and ensure compliance with Bacs scheme rules.
Our Validate Plus email validation tool ensures your emails reach active recipients by instantly verifying format, account activity, and deliverability. By validating emails at the point of collection, it helps reduce operational costs and prevent issues caused by poor data.
Our postcode validation tool ensures accurate customer addresses using Royal Mail’s Postcode Address File (PAF).
Widely accepted for KYC by banks, it is essential for verifying addresses when setting up Direct Debit payments.
Our phone number validation tool instantly verifies landline and mobile numbers at the point of collection, saving time and improving data accuracy. It enhances communication, provides valuable business insights, and ensures Bacs compliance.
Confirmation of Payee (CoP) ensures payments reach the intended recipient by instantly verifying that the sort code and account number match the account holder.
This adds a strong layer of fraud protection, prevents financial loss, and is widely accepted as a KYC check by banks and the Bacs scheme.
We’re always on hand to answer any questions and give advice. Click the button below to reach out.
Confirmation of Payee is a banking service that checks whether the account name entered for a payment matches the name held by the receiving bank.
Confirmation of Payee verifies that the account name matches the sort code and account number before a payment is made, reducing misdirected payments and fraud.
If using a bureau service, the bureau handles submission approvals, and you typically do not need your own SUN.
Businesses should use Confirmation of Payee checks when setting up new payees or making high-value transfers to verify account details before sending funds.
The system cross-checks the name entered against the name held by the receiving bank, returning a match, close match, or no match response in real time.
While not always mandatory, many organisations use Confirmation of Payee to strengthen fraud prevention and improve payment verification processes.
Contact us to book a demo, take a closer look at our platform and get all the answers you need.
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Security policy manager * Includes: password complexity manager, inactive timeout, time restrictions, IP address restrictions | ✓ | ✓ | ✓ |
AWS ISO27001 hosted * Primary fail over and back up UK data centres | ✓ | ✓ | |
SFTP file uploads/downloads *Secure way to move files across the internet, customers can use their own certificates | ✓ | ✓ | ✓ |
| Gemalto security tokens MFA | ✓ | ✓ | ✓ |
| Email MFA | ✓ | ||
| SMS MFA | ✓ | ✓ | ✓ |
APP MFA * Works with common auth apps such as Google Authenticator, Authy. Works on Android or iOS. | ✓ | ||
| PG Platform ISO27001 | ✓ | ||
Fraud tool *Currently support Blacklists and Whitelists. In a blacklist you add various sortcodes / account numbers and the system will prevent any payment to those accounts. In a whitelist you add sortcodes and account numbers and the system will ONLY allow payments to accounts on the whitelist. We include various tools to help build and maintain the lists. | ✓ | ||
GDPR subject access request * Search tools to help perform a GDRP lookup. Then can optionally ‘sanitise’ personal data from the system. | ✓ | ✓ | ✓ |
GDPR Data cleansing *Remove historical data by bulk or individual. | ✓ | ||
Browser compatbility * We maintain support for Chrome, Edge and Firefox. | ✓ | ||
Built for performance * Version 3 runs on super modern, high-end infrastructure | ✓ | ||
Single Platform * Customers have a single user account that they can use across all services (Enterprise, Online, Validate, etc). | ✓ | ||
Agent rebuilt key management system * Very secure way to get files to and from the Paygate cloud. Supports ways to automate files being sent into the paygate cloud and retrieving reports from the cloud. Key management was rebuilt for V3 to further increase security. | ✓ | ||
HTTPS uploads/downloads * paygate v3 supports both SFTP and HTTPS. | ✓ | ||
In browser File and Folder handling * Allows customers to securely organise their files and folders that are stored on paygate | ✓ |
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| Logging tickets by email | ✓ | ✓ | ✓ |
| Logging tickets by portal | ✓ | ||
| Logging tickets by phone | ✓ | ✓ | ✓ |
| Dedicated account management | ✓ | ✓ | ✓ |
| Uptime improvements | ✓ | ||
| Ongoing development | ✓ | ||
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Auto File Import *Automatically imports a payment file and validates it. Users no longer need to manually browse for and import a file, paygate will do this in the background and present the validation results to the user. |
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Designer in browser * In V2 Workflows use an older style desktop app. In V3 workflows are built and managed in the Paygate Browser app. It’s much easier to deploy and manage. |
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Improved logging * A feature mainly for PS/CS to help them diagnose problems with workflows. Problems can be diagnosed and fixed faster. |
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New scheduler triggers * A new trigger type that allows the user to set up a workflow like you set up a meeting in Outlook. For some, this is more flexible and easier to understand than using CRON. |
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Triggers for multiple workflows * You can use a single trigger to start multiple workflows. It’s a simple feature that will make things easier to manage if you have a lot of workflows. |
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Workflow validation * Troubleshoots new workflows, validation |
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Workflow chaining * Allows a workflow to call another workflow. Using this you can simplify large complicated workflows in smaller separate ones. Easier to manage and diagnose issues. |
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New nodes * Various new nodes that help to build new types of workflows or help manage existing workflows. |
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Full documentation V3 will be fully documented with help guides and tutorials.
and tutorials * |
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Multiple filename variables * Supporting multiple filename variables should make designing complex workflows a bit easier. |
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Future developments * Pure Excel Importer – XLSX; BACS Calendar Widget; Workflow Timeline; Workflow / Mobile App notification / management; S3 Connector |
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Download and distribute A Reports * When you have workflow and HSM you can automate the entire BACS report download process. They can automatically be converted to other formats for integration into finance apps. They can be emailed to customers as html, pdf or zips. They can be made available for collection via SFTP. Or, if you use Agent, they can be security delivered to the customer’s private network. |
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| Partial submission | ✓ | ✓ | ✓ |
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Lightsout submission * No signing |
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| Standard nodes for initiation | ✓ | ✓ | ✓ |
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| Batched bureau submissions | ✓ | ✓ | ✓ |
| Manual & Automated submission builder | ✓ | ✓ | ✓ |
| Customer import | ✓ | ✓ | ✓ |
| Bacs reporting tools | ✓ | ✓ | ✓ |
| Recall Bureau Customers by ID | ✓ | ||
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Submission Re-entry * Complete your submissions over any amount of time
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Familiar workflow throughout *It will be familiar to V2 customer but they will notice improvements. |
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| Revamped manual submission mode *This is completely new in V3 Bureau.
Those customers wanting a more manual way of building their submission (Rather than using Jobs) will find a new, efficient way of working.
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Drag and drop files from anywhere *Like in other areas of V3. User can just drag and drop file in Bureau for processing. They can also use the Restricted File Browser and Server file browser – that add more security – if they wish. |
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Support for multiple file formats per submission * No longer limited to single Standard 18 submission for example
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Better default filename support *Makes working with files easier. |
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Usage Reporting over data range *Small but useful improvement to reporting. User can set a date range on the usage report. |
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Validate *Validate is integrated in V3 and so customers that have both products can access them from the same client with the same account. |
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API Access *Validate API and the Payment API.
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Save Submissions *Save an ‘in-progress’ submission and return to it later. Build up a submission during the day |
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| Improved payment and submission searching | ✓ | ||
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Customisable dashboard *Many useful, module specific, dashboard widgets, e.g. Payments, collections, workflow, etc. |
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| Enhanced reporting including real-time usage | ✓ |
