Confirmation of Payee (CoP)

Confirmation of Payee (CoP) is an account name-checking service primarily for bank and building society payments, launched by Pay.UK in 2020 to help prevent fraud.

When consumers and businesses make a payment, Confirmation of Payee (CoP) shows them if the money’s going to the right account before they transfer the funds.

CoP plays a key role in protecting against certain types of Authorised Push Payment (APP) fraud.

We partner with Pay.UK to provide and manage the CoP service as part of the Open Banking Directory.