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The UK Confirmation of Payee (CoP) scheme enables real-time verification of account details before making payments. This synchronous verification service validates account numbers, sort codes, and account holder names against the receiving bank’s records. Processing mode: synchronous

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Verification capabilities

  • Account status: ACTIVE, NOT_FOUND, FORBIDDEN
  • Beneficiary name match status: FULL_MATCH, PARTIAL_MATCH, NO_MATCH
  • Optional beneficiary name disclosure (in cases of PARTIAL_MATCH)
  • Account type match status: MATCH or NO_MATCH
All banks participating in the UK Confirmation of Payee (CoP) scheme are supported.
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country
string
required
Must be one of GB, GG, GI, IM, JE
​
creditorAccount.id.value
string
required
Account number in local format (8 digits)
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creditorAccount.id.type
string
required
Must be ACCOUNT_NUMBER
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creditorAgent.clearingSystemMemberId.memberId
string
required
Sort code (6 digits)
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creditor.type
string
required
Account holder type. Must be one of:
  • INDIVIDUAL - Personal account
  • BUSINESS - Business account
​
creditor.name
string
required
Account holder name for matching

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Scheme response codes

The CoP scheme returns specific response codes that indicate the verification outcome. These codes are mapped to high-level status fields.
schemeResponseCodeDescriptionaccountStatusnameMatchStatusaccountTypeMatchStatus
(none)Full matchACTIVEFULL_MATCHMATCH
UK_COP_ANNMNot a matchACTIVENO_MATCH
UK_COP_MBAMClose matchACTIVEPARTIAL_MATCHMATCH
UK_COP_BANMName matches, account type mismatch (expected personal, actual business)ACTIVEFULL_MATCHNO_MATCH
UK_COP_PANMName matches, account type mismatch (expected business, actual personal)ACTIVEFULL_MATCHNO_MATCH
UK_COP_BAMMClose match, account type mismatch (expected personal, actual business)ACTIVEPARTIAL_MATCHNO_MATCH
UK_COP_PAMMClose match, account type mismatch (expected business, actual personal)ACTIVEPARTIAL_MATCHNO_MATCH
UK_COP_AC01Account does not existNOT_FOUND
UK_COP_IVCRUnable to locate account based on the reference dataNOT_FOUND
UK_COP_ACNSAccount not supported for CoPFORBIDDEN
UK_COP_OPTOPayee has opted out of CoPFORBIDDEN
UK_COP_CASSAccount has been switched using the Current Account Switch ServiceFORBIDDEN
UK_COP_SCNSSort code does not belong to the responderFORBIDDEN
You can either use schemeResponseCode directly, or rely on the derived accountStatus, accountHolderName.matchStatus, and accountType.matchStatus fields in your integration.

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Examples

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Full match

When the name, account, and account type all match perfectly, no scheme response code is returned.
Request
{
  "details": {
    "country": "GB",
    "creditorAccount": {
      "id": {
        "value": "55065204",
        "type": "ACCOUNT_NUMBER"
      }
    },
    "creditorAgent": {
      "clearingSystemMemberId": {
        "memberId": "300000"
      }
    },
    "creditor": {
      "type": "INDIVIDUAL",
      "name": "Jonathan Smith"
    }
  }
}
Response
{
  "id": "5a0a2fc7-0946-4774-ae37-3cbefed212c0",
  "createdDate": "2026-08-22T15:18:51.801733Z",
  "updatedDate": "2026-08-22T15:18:51.801733Z",
  "state": "COMPLETED",
  "result": {
    "accountStatus": "ACTIVE",
    "accountHolderName": {
      "matchStatus": "FULL_MATCH"
    },
    "accountType": {
      "matchStatus": "MATCH"
    }
  }
}

​
Not a match

The provided name does not match the account holder name.
Request
{
  "details": {
    "country": "GB",
    "creditorAccount": {
      "id": {
        "value": "55065204",
        "type": "ACCOUNT_NUMBER"
      }
    },
    "creditorAgent": {
      "clearingSystemMemberId": {
        "memberId": "300000"
      }
    },
    "creditor": {
      "type": "INDIVIDUAL",
      "name": "John Smith"
    }
  }
}
Response
{
  "id": "0713a7e4-7051-490c-80ad-de45d63fb2ae",
  "createdDate": "2026-08-22T15:19:25.241335Z",
  "updatedDate": "2026-08-22T15:19:25.241335Z",
  "state": "COMPLETED",
  "result": {
    "accountStatus": "ACTIVE",
    "accountHolderName": {
      "matchStatus": "NO_MATCH"
    },
    "schemeResponseCode": "UK_COP_ANNM"
  }
}

​
Close match

The name is a close match and the account type is correct.
Request
{
  "details": {
    "country": "GB",
    "creditorAccount": {
      "id": {
        "value": "55065204",
        "type": "ACCOUNT_NUMBER"
      }
    },
    "creditorAgent": {
      "clearingSystemMemberId": {
        "memberId": "300000"
      }
    },
    "creditor": {
      "type": "INDIVIDUAL",
      "name": "Jonathan Smyth"
    }
  }
}
Response
{
  "id": "d472fb1a-6db7-4aa7-a0b3-091806a11de1",
  "createdDate": "2026-08-22T15:24:07.595352Z",
  "updatedDate": "2026-08-22T15:24:07.595352Z",
  "state": "COMPLETED",
  "result": {
    "accountStatus": "ACTIVE",
    "accountHolderName": {
      "verifiedName": "Jonathan Smith",
      "matchStatus": "PARTIAL_MATCH"
    },
    "accountType": {
      "matchStatus": "MATCH"
    },
    "schemeResponseCode": "UK_COP_MBAM"
  }
}

​
Name match, account type mismatch

The payer intended to pay a business account, but the actual account is a personal account. The name matches.
Request
{
  "details": {
    "country": "GB",
    "creditorAccount": {
      "id": {
        "value": "55065204",
        "type": "ACCOUNT_NUMBER"
      }
    },
    "creditorAgent": {
      "clearingSystemMemberId": {
        "memberId": "300000"
      }
    },
    "creditor": {
      "type": "BUSINESS",
      "name": "Jonathan Smith"
    }
  }
}
Response
{
  "id": "77e7a5a9-0f24-431a-af05-7a711f5b1d3b",
  "createdDate": "2026-08-22T15:29:38.905247Z",
  "updatedDate": "2026-08-22T15:29:38.905247Z",
  "state": "COMPLETED",
  "result": {
    "accountStatus": "ACTIVE",
    "accountHolderName": {
      "matchStatus": "FULL_MATCH"
    },
    "accountType": {
      "matchStatus": "NO_MATCH"
    },
    "schemeResponseCode": "UK_COP_PANM"
  }
}

​
Close match, account type mismatch

The payer intended to pay a business account, but the actual account is a personal account. The name is a close match.
Request
{
  "details": {
    "country": "GB",
    "creditorAccount": {
      "id": {
        "value": "55065204",
        "type": "ACCOUNT_NUMBER"
      }
    },
    "creditorAgent": {
      "clearingSystemMemberId": {
        "memberId": "300000"
      }
    },
    "creditor": {
      "type": "BUSINESS",
      "name": "Jonathan Smyth"
    }
  }
}
Response
{
  "id": "de64f40d-25ce-47d1-9c80-9b0f9366a327",
  "createdDate": "2026-08-22T15:30:53.536011Z",
  "updatedDate": "2026-08-22T15:30:53.536011Z",
  "state": "COMPLETED",
  "result": {
    "accountStatus": "ACTIVE",
    "accountHolderName": {
      "verifiedName": "Jonathan Smith",
      "matchStatus": "PARTIAL_MATCH"
    },
    "accountType": {
      "matchStatus": "NO_MATCH"
    },
    "schemeResponseCode": "UK_COP_PAMM"
  }
}

​
Account does not exist

The account does not exist in the CoP Responder’s books.
Request
{
  "details": {
    "country": "GB",
    "creditorAccount": {
      "id": {
        "value": "55065205",
        "type": "ACCOUNT_NUMBER"
      }
    },
    "creditorAgent": {
      "clearingSystemMemberId": {
        "memberId": "300000"
      }
    },
    "creditor": {
      "type": "INDIVIDUAL",
      "name": "Jonathan Smith"
    }
  }
}
Response
{
  "id": "0beaa1b3-fd9a-4885-80ad-b4bf23638452",
  "createdDate": "2026-08-22T15:34:08.871065Z",
  "updatedDate": "2026-08-22T15:34:08.871065Z",
  "state": "COMPLETED",
  "result": {
    "accountStatus": "NOT_FOUND",
    "schemeResponseCode": "UK_COP_AC01"
  }
}