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Embedded Beneficiary component

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.

AttributeDetails
Transfer methodLOCAL
Payment schemeFaster Payments, CHAPS*
Name matching supportedYes
Beneficiary name returnedYes, only when the name match result is one of FULL_MATCH, PARTIAL_MATCH, FULL_MATCH_INCORRECT_TYPE, or PARTIAL_MATCH_INCORRECT_TYPE
NotesName 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:

FieldPermitted dataNotes
bank_country_codeGB only
account_routing_type1sort_code only
account_routing_value16 digitsSort code of the beneficiary account
account_number8 digits
account_name2-200 alphanumeric characters or punctuationAccount holder name to be verified against local bank records

Applicable verification results

CodeName match result values
VERIFIEDFULL_MATCH,
PARTIAL_MATCH,
NOT_MATCHED,
FULL_MATCH_INCORRECT_TYPE, or
PARTIAL_MATCH_INCORRECT_TYPE
INVALID-
CANNOT_VERIFY-
EXTERNAL_SERVICE_UNAVAILABLE-
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On this page
  • Overview
  • Required bank details
  • Applicable verification results
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