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UK Confirmation of Payee page image 1260x706

Provide peace of mind that payments are going to the correct beneficiary

Confirmation of Payee (CoP) is an industry-wide response to combat APP fraud in the UK and reduces the ways that fraudsters can dupe anyone into sending authorised payments into criminal accounts. 

There are numerous ways we can be deceived into sending what we think is a genuine payment. For example, victims may receive a call from a fraudster, claiming to be from their bank, informing them that their account has been compromised and asking them to quickly transfer large sums of money, unbeknown to the victim, into the criminal’s account. Not just limited to calls, APP fraud can also take place via emails and social media. 

CoP acts as a ‘Name Checking Service’, and allows the payee to check whether the name they’ve been provided matches the account number and sort code. This helps reduce APP fraud and payments from being accidentally sent to the wrong account due to human error.

Why Bottomline?

  • Save time - Simple ‘switch on’ due to Open Banking credentials
  • Minimise hassle - Compatible with any payment scheme via our SaaS-based, API driven solution
  • Easy integration - Full on-boarding support with access to our sandbox​​​​​​​
  • Future-proofMulti-year roadmap to cover evolving phases and new functionality​​​​​​​
  • Flexible and transparent - Pay-as-you-go model with no capex or compliance overhead


Our solution can be offered as an overlay service to the following payment types on new and modified payees:

Faster Payments (mandatory, if CoP subscriber)

CHAPS transfers (mandatory, if CoP subscriber)

Bacs Direct Debits and Direct Credits (optional at this stage)

Know who to pay

APP Fraud is on the rise. Only 25% of losses were recovered in 2019

Source: UK Finance

Payment Initiation Services (PIS) are provided by Bottomline Payment Services, who are authorized by the Financial Conduct Authority under the Payment Services Regulations for the provision of payment services with FCA registration number 616279.  


Want to learn more about Bottomline's fraud and financial crime management?

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