Confirmation of Payee

for Payment Service Providers

for Banks

for Building Societies

for Organisations

SurePay’s Confirmation of Payee (CoP) service is an innovative, real-time name checking solution that gives UK payers greater assurance that their payments are going to the intended recipient.

Seamless and secure payment experience

Be PSR compliant and add value

Offered both cross border and domestic

Prevent fraud and misdirected payments

Our products

Confirmation of Payee for PSPs

Immediately check whether you have the correct customer, supplier or employee details.

Confirmation of Payee for Building Societies

Future proof your Building Society with Confirmation of Payee

Confirmation of Payee Portal for Organisations

The CoP solution made accessible to organisations through their banks.

Cross Border Confirmation of Payee

Expand your reach with the Cross-Border CoP solution.

IBAN-Name Check

Our IBAN-Name Check solution is offered both in the Netherlands and across Europe.

Read more →

Are you PSR compliant?

Payment Systems Regulator (PSR) announced that Group 2 needs to have implemented CoP before the end of 31 October 2024. This means you need to be able to respond to CoP requests as well as sending CoP requests to other banks to verify the beneficiary details before initiating a payment. Want to know what the mandate means to your organisation?

How it works

CoP prevents misdirected payments and APP fraud by ensuring that the recipients and account information provided by the payee match. If the recipient’s name does not match the account details or has a typo, the payee will be notified in the form of ‘no match’ or a ‘close match’.

The latest developments

SurePay presents Developer Portal with API documentation for implementation

We have won the Banking Tech Awards with our Confirmation of Payee Portal for PSPs

SurePay Launches Developer Portal to empower UK PSPs to implement Confirmation of Payee

Rabobank and SurePay strengthen collaboration to improve fraud prevention

SurePay announces One European IBAN-Name Check

Using The Best Confirmation of Payee Algorithm Is The Only Way For PSPs To Avoid Immense Losses Due To APP Fraud Liability

We are on a mission to protect both our clients and their customers against the growing threat of fraud worldwide, both cross-border and multi-domestic.

– David-Jan Janse, CEO SurePay

What our clients say

SurePay is well established in the UK and Netherlands -– where we have our Group headquarters -– and has the most advanced offer, a strong Confirmation of Payee solution on the market and an incredibly devoted team. We are confident that this partnership will help us towards achieving our goals and further improve our resilience to fraud.

We are committed to protecting our customers from fraud and Confirmation of Payee is a valuable tool in achieving that. SurePay have extensive experience in providing Confirmation of Payee solutions, both in the UK and other countries, which is why we chose to work with them to implement this important protection for our customers.

We do everything we can to keep our customers safe and secure and Confirmation of Payee plays an important role in this. We selected SurePay to support our delivery of Confirmation of Payee, because of their experience in the Dutch market and excellent understanding of complex name matching issues. They have worked closely with us to deliver good name-matching results and we look forward to building on our relationship as the CoP service develops.

Since the introduction of CoP we have seen a reduction of more than 80% in fraudulent orders compared to the previous year. And the number of invoices that are not paid or canceled in the first month has also decreased by more than 25%.

We’re impressed with the work SurePay has done and the ability to implement Confirmation of Payee so quickly.

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