United Kingdom
Important: UK CoP Implementation Requirements
UK Confirmation of Payee (CoP) is enabled on a request basis. If you're building a custom CoP user interface, your user-facing messaging must be approved by Airwallex and our local partners before going live. Please contact your account manager for detailed guidelines and messaging templates.
Overview
UK local bank accounts are verified via the Confirmation of Payee (CoP) service managed by Pay.UK.
Attribute | Details |
---|---|
Transfer method | LOCAL |
Payment scheme | Faster Payments, CHAPS* |
Name matching supported | Yes |
Beneficiary name returned | Yes, only when the name match result is one of FULL_MATCH , PARTIAL_MATCH , FULL_MATCH_INCORRECT_TYPE , or PARTIAL_MATCH_INCORRECT_TYPE |
Notes | Name matching is performed by each participating bank based on its own rules, so the standards of each matching result may vary slightly across banks. |
* CoP is the authoritative verification source for Faster Payments accounts, covering most CHAPS accounts. However, some CHAPS-only accounts are not supported and will return CANNOT_VERIFY
. Please apply discretion when relying on CoP results for CHAPS transfers.
Required bank details
The following request parameters should be included in the bank_details
object:
Field | Permitted data | Notes |
---|---|---|
bank_country_code | GB only | |
account_routing_type1 | sort_code only | |
account_routing_value1 | 6 digits | Sort code of the beneficiary account |
account_number | 8 digits | |
account_name | 2-200 alphanumeric characters or punctuation | Account holder name to be verified against local bank records |
Applicable verification results
Code | Name match result values |
---|---|
VERIFIED | FULL_MATCH ,PARTIAL_MATCH ,NOT_MATCHED ,FULL_MATCH_INCORRECT_TYPE , or PARTIAL_MATCH_INCORRECT_TYPE |
INVALID | - |
CANNOT_VERIFY | - |
EXTERNAL_SERVICE_UNAVAILABLE | - |
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