Confirmation of Payee - Requester

Description of Confirmation of Payee Requester service.

This Service is currently under development and documentation is still subject to changes and improvements.

Service description

This service verifies if the creditor's account number matches the associated name.

Request

POST https://connect.lhv.com/payment/cop-request

Header

Name	Value
Content-Type	application/json
Client-Code	customer value
Client-Country	customer value

Body

Name	M/O	Description
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

Example

Personal

{
  "AccountCategory": "PERSONAL",
  "Identification": "12345612345678",
  "Name": "Account Name",
  "SecondaryIdentification": "secondaryIdentification"
}

Business

{
  "AccountCategory": "BUSINESS",
  "Identification": "12345687654321",
  "Name": "Account Name LTD",
  "SecondaryIdentification": "secondaryIdentification"
}

Response

Confirmation of Payee Requester Response can be requested via the Messages service.

HTTP Header Message-Response-Type: CONFIRMATION_OF_PAYEE

Header

Name	Value
Content-Type	application/json
X-Bank-Code	LHVUK, LHVEE

Body

Name	M/O	Description
OriginalMessageId	M
Data.Answer	M	Indicator if the verification has produced a full match or not. Confirmed - Verification has produced a full match Rejected - Verification did not produce a full match
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

Example

Successful

{
  "OriginalMessageId": "...",
  "Data": {
    "Answer": "string",
    "Identification": "string",
    "ActualName": "string",
    "Name": [
      "string"
    ],
    "ReasonCode": "string",
    "Description": "string"
  },
  "Errors": null
}

Error

{
  "OriginalMessageId": "...",
  "Data": null,
  "Errors": [
    {
      "ErrorCode": "...",
      "ErrorMessage": "..."
    }
  ]
}

Example of the flow

Confirmation of Payee Requester

Step	Action	Description
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.

Reason code values

ReasonCode	Description
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.