Confirmation of Payee – what you need to know

To help prevent fraud, when you make a payment in the UK, the name of the account holder will now be checked against what you have entered. Here’s what you need to know about Confirmation of Payee (CoP).

New functionality will soon be available when making payments via our online channels. When making payments, the account name you enter will be matched against the account name held by Barclays or another participating bank when making a payment to a non-Barclays account. This new account name matching functionality is referred to as Confirmation of Payee (CoP).

Read below to find out more.


Register for one of our upcoming client call’s to learn more about Confirmation of Payee – including a chance to ask us any questions you may have.

Tuesday 17 March – 1400 GMT
Wednesday 18 March – 1100 GMT
Wednesday 18 March – 1600 GMT

Presentation slides PDF† (447KB)

What is Confirmation of Payee?

This is an industry initiative designed to target Authorised Push Payment (APP) fraud in the UK, particularly impersonation fraud, invoice redirection and new payment fraud. The service enables consumers, businesses and corporations to check the name of an account against the sort code and account number, providing an alert confirming whether or not the account details and account name match.

Why use Confirmation of Payee?

This has been introduced to help prevent fraud and payments being sent to the wrong account, keeping your money and accounts safe. It lets you check that you have the correct name for the person or business you’re paying, which can help to protect against certain types of fraud (and helps to prevent payments going to the wrong account too).

How does Confirmation of Payee work?

When making an online payment, you’ll be asked for the account details as normal, and there will be an extra step where you confirm if you’re expecting to pay a person or a business; we’ll tell you if your categorisation is incorrect.

There are four possible outcomes once the account name matching has taken place:

Match: the account name and details match.

  • The account number and sort code match the name and account type that you entered. 
  • You can now proceed to make the payment.

Partial match: the account is registered to someone with a similar name.

  • If you used a similar name to the account holder, we’ll show you the actual name of the account holder to check. 
  • You can update the details with the suggested name in order to proceed with the payment, or check the details with the person or company you’re trying to pay. 
  • Likewise, if someone tries to make a payment to you and receives a partial match, they will be given the name of your account.

No match: the name doesn’t match the name on the account.

  • This means that you have entered a name that is significantly different to the actual name of the account holder. 
  • You should contact the person or company you’re trying to pay. When the name is wrong, it could be a fraudulent transaction and you should think carefully about whether to proceed or not.


  • This could mean the account holder’s bank has not implemented the CoP initiative, or the type of account is not supported and therefore it is not possible to check the name of the account.
  • In all cases you may proceed with the payment but will accept liability for this and future payments to the beneficiary if there has not been a match response.

What does Confirmation of Payee mean for your company?

This is a new step when you make a payment, so there are a few things to consider.

When making a payment:

  • Have the full name of the person or business you want to pay. For personal joint accounts, you only need the first and last name of either of the account holders.
  • Choose whether you expect to pay a personal or business account – we’ll tell you if your categorisation is incorrect.
  • Make sure you’re confident that you’re paying the correct person or business. If you get a partial match, or no match, when you input the details and choose to continue, then you or your company will be liable for any loss.

When issuing a request for payment such as an invoice:

  • Make sure that your invoices quote the full legal name or “trading as” name.
  • Confidential Invoice Discounting (CID) clients should contact their relationship team if they have particular concerns.


Is the check optional?
No, Confirmation of Payee has been formulated by Pay.UK in order to adhere to UK legislation.

How quickly is the check made once a payment has been requested?
As you input the account details, the check is made in real-time before the payment is formally requested. So in about two seconds you will see the response on whether the account names match.

Can I make a payment if the account names do not match?
You can proceed and make the payment even if the names do not match. If CoP gives you a non-match response, it is your responsibility what you do with that information. You should check with a verified contact, preferably by phone, if you are not comfortable about the payment.

Is there a cost to using CoP?
No. It is the hope of the industry that this will reduce fraud, so we would not want anything that can reduce fraud to have a barrier to use.

What name will be checked – the registered company name or the trading name?
We check multiple sources, including the registered company name, the trading name, and the precise name the account is registered in, to try to ensure we get a match for the variants that a business may have.

Can I opt out of Confirmation of Payee?
You cannot opt out of CoP when you’re making a payment to someone else. It may, however, be possible to opt out of your company’s details being checked when other people try to pay your company. If you would like to opt out of the CoP service, please contact your servicing or relationship team and we’ll consider your request.

What payment types does Confirmation of Payee include?
Faster Payment Service (FPS), CHAPS and Standing Orders submitted as single payments electronically via one of our online payment channels.

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