Confirmation of Payee - Requester
Description of Confirmation of Payee Requester service.
Last updated
Description of Confirmation of Payee Requester service.
Last updated
This Service is currently under development and documentation is still subject to changes and improvements.
This service verifies if the creditor's account number matches the associated name.
POST https://connect.lhv.com/payment/cop-request
| Name | Value |
|---|---|
| Name | M/O | Description |
|---|---|---|
| Name | Value |
|---|---|
| Name | M/O | Description |
|---|---|---|
| Step | Action | Description |
|---|---|---|
| ReasonCode | Description |
|---|---|
Content-Type
application/json
Client-Code
customer value
Client-Country
customer value
AccountCategory
M
Defines if the verification is expecting a PERSONAL or BUSINESS account
Identification
M
UK account number of the account to do a name verification on. BBAN (sort code + account number)
Name
M
The name string to be checked for a match.
SecondaryIdentification
O
Secondary reference information to identify the account. Can be any type of additional identification that is present with the account, e.g. a building society roll number
Content-Type
application/json
X-Bank-Code
LHVUK, LHVEE
OriginalMessageId
M
Data.Answer
M
Confirmed
Data.Identification
M
Account number from the request.
Data.ActualName
O
Actual name if the name in the request is a close match.
Data.Name
M
Name from the request.
ReasonCode
M
Find list of reason codes here.
Description
M
Find list of reason code descriptions here.
Errors
O
1.
Initiating Confirmation of Payee Request
CoP request can be initiated before making a payment to verify the account details of the intended recipient.
2.
Forwarding Request to the Directory
LHV receives the Request and forwards it to the CoP Directory for processing, ensuring accurate and timely validation of the account information.
3.
LHV will receive Response to the previously initiated Request
CoP Directory processes the Request and returns a Response. This Response indicates whether the provided account details match the account holder's information on record.
4.
LHV will forward response back to the PSP
Received Response is also forwarded back to the PSP.
ACCP
It's a match. The account name and details match those on record.
AC01
Account not found. There was no account with the account number you provided. Please check and try again.
ACNS
Cannot check details. Confirmation of Payee is not supported by this account.
ANNM
The name you provided doesn't match the name for the account. You can still continue with the payment, but your money may be sent to the wrong account.
BAMM
The account details are a close match. However, it is a business account, not a personal account and the actual name on the account is (...).
BANM
The account details match. However, it is a business account, not a personal account.
CASS
Account no longer exists. This account has been switched to a new one.
Please contact your recipient for updated account details.
IVCR
Cannot check details. Unable to locate the account based on the Reference provided. Please check and retry.
MBAM
The name is a close match. The actual name on the account is (...).
OPTO
Cannot check details. Confirmation of Payee is not supported by this account.
PAMM
The account details are a close match.
However, it's a personal account, not a business account and the actual name on the account is (...).
PANM
Close match. The account details match, however it's a personal account, not a business account.
SCNS
Not a match. The sort code you provided doesn't match the account. Please check and try again.
CNOR
We are currently unable to verify the account details. You can either try again in a few minutes or continue your payment without verification. If you continue, please double check the details.
FF01
We are currently unable to verify the account details. You can either try again in a few minutes or continue your payment without verification.If you continue, please double check the details.
AB07
We are currently unable to verify the account details. You can either try again in a few minutes or continue your payment without verification. If you continue, please double check the details.
TKCM
We are currently unable to verify the account details. You can either try again in a few minutes or continue your payment without verification. If you continue, please double check the details.
RC02
We are currently unable to verify the account details. You can either try again in a few minutes or continue your payment without verification. If you continue, please double check the details.
DS14
We are currently unable to verify the account details. You can either try again in a few minutes or continue your payment without verification. If you continue, please double check the details.
AB05
We are currently unable to verify the account details. You can either try again in a few minutes or continue your payment without verification. If you continue, please double check the details.
AB13
We are currently unable to verify the account details. You can either try again in a few minutes or continue your payment without verification. If you continue, please double check the details.
AB08
We are currently unable to verify the account details. You can either try again in a few minutes or continue your payment without verification. If you continue, please double check the details.
BE11
Cannot check details. Confirmation of Payee is not supported by this account.
TECH
We are currently unable to verify the account details. You can either try again in a few minutes or continue your payment without verification. If you continue, please double check the details.
TM01
We are currently unable to verify the account details. You can either try again in a few minutes or continue your payment without verification. If you continue, please double check the details.
