Name and account type both correct
It is safe to proceed with the payment exactly as entered.
Payments & Money Movement
Confirmation of Payee
Before a UK Faster Payment completes, the payee’s name and account type are checked against their real account. A mismatch in either one is flagged clearly, before the money leaves.
Payee checkUK Faster Payments
Name enteredOPENPAYD
Account typeCORPORATE
Sort code04 05 10
Match
Beyond a name check
Two things checked, not just one
Confirmation of Payee checks the name and the account type together, so a correct name on the wrong kind of account still gets caught.
Name is nearly right, type is correct
A corrected version of the name is shown. The payer must actively dismiss the warning before continuing.
Name is correct, account type is not
The account is registered as personal when business was selected, or the reverse. This also covers the case where the name is a close match too.
Name does not match
A clear warning suggests checking the details with the payee. The payer still decides whether to continue.
Outside of a full match, the payer always sees a plain explanation and still makes the final call. The check informs the decision. It never replaces it.
When the check cannot run at all
A few situations sit outside a simple match or mismatch
Account not found
The payer is asked to check the sort code and account number.
Invalid secondary reference
The payer is asked to check the reference and retry.
Not supported for CoP
This particular account does not support the check at all.
Payee opted out
The payee has opted out of Confirmation of Payee entirely.
Account switched
The payer needs to obtain updated account details.
Technical issue
Retried once automatically. If it still fails, the payer decides whether to continue.
How it actually works
A directory that routes, and never sees the answer
Pay.UK operates the CoP Directory, but it only looks up which bank to contact. The name and account type check happens directly between banks.
Pay.UK CoP Rulebook v5.1
How a check is configured
Response target1.5 seconds
Hard timeout3.5 seconds, retried once
Who matches the nameThe payee’s own bank
Confirmed providerOpenPayd
Checked once, not every time
The check runs at setup, not on every payment
At setup
The check runs once
When a payee is first added, their name and account type are checked and the result is kept with that payee.
→
Every payment after
No repeat checks
Later payments to the same payee do not trigger the check again, unless their details are edited.
Add a payee
Account typeBusiness
Sort code04 05 10
Account number11382660
Payee nameOPENPAYD
Payment methodFaster Payment
Setting up a payee
The same fields UK customers already expect
Sort code and account number, not IBAN, matching how UK Faster Payments actually works.
- Six-digit sort code, eight-digit account numberThe identifiers UK banks actually use.
- Account type declared upfrontPersonal or business, checked alongside the name.
- A secondary reference field where neededOnly shown when the receiving bank requires one.
When the type does not match
A specific warning, not a generic one
The payer is told exactly what does not line up, the name, the account type, or both.
- Plain languageNaming the actual mismatch, not a generic error.
- A corrected name where one existsShown directly on the warning itself.
- Two ways forwardCorrect the details and retry, or continue at their own risk.
Wrong account type
This is a business account. The name you entered matches, but the account type does not. Please correct the account type before continuing.
Cancel
Correct and retry
Related FinHost modules
Part of the same payments and verification experience
Get started
Catch a mismatched UK payment before it is sent
Built to the Pay.UK CoP Rulebook, checking both name and account type, ready for UK Faster Payments today.
ResultMatch
Account typeCorporate
ProviderOpenPayd
Frequently Asked Questions
How is Confirmation of Payee different from Verification of Payee?
They are separate systems, similar in principle but not the same mechanism. Verification of Payee is the EU’s mechanism for SEPA, operated under the EPC’s own rulebook. Confirmation of Payee is the UK’s own long-standing scheme, operated by Pay.UK, and it additionally checks the payee’s declared account type, personal or business, not just their name.
Does Confirmation of Payee block a payment?
No. Every outcome except a hard error still gives the payer a way to continue. The payer takes on the decision, and the responsibility, if they proceed after a warning.
How often does the check run?
Once, when a payee is first set up. It does not re-run on every subsequent payment unless the payee’s details are edited.
What happens if the check cannot be completed?
The request is retried once automatically. If it still cannot complete, the payer sees a message that verification is temporarily unavailable and can choose whether to continue.
Who actually checks the name, FinHost or Pay.UK?
Neither, directly. The payee’s own bank checks the name against its own records. Pay.UK only operates a directory that looks up which bank to contact, it never sees the name or the result.