# Confirmation of Payee - Requester

## Service description

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

## Request

<mark style="color:green;">`POST`</mark> <https://connect.lhv.com/payment/cop-request>

### Header

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

### Body

<table><thead><tr><th>Name</th><th width="107">M/O</th><th>Description</th></tr></thead><tbody><tr><td>AccountCategory</td><td>M</td><td>Defines if the verification is expecting a <strong>PERSONAL</strong> or <strong>BUSINESS</strong> account</td></tr><tr><td>Identification</td><td>M</td><td>UK account number of the account to do a name verification on. BBAN (sort code + account number)</td></tr><tr><td>Name</td><td>M</td><td>The name string to be checked for a match.</td></tr><tr><td>SecondaryIdentification</td><td>O</td><td>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</td></tr></tbody></table>

#### Example

{% tabs %}
{% tab title="Personal" %}

<pre class="language-json"><code class="lang-json"><strong>{
</strong>  "AccountCategory": "PERSONAL",
  "Identification": "12345612345678",
  "Name": "Account Name",
  "SecondaryIdentification": "secondaryIdentification"
}
</code></pre>

{% endtab %}

{% tab title="Business" %}

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

{% endtab %}
{% endtabs %}

## Response

Confirmation of Payee Requester Response can be requested via the [Messages service](https://docs.lhv.com/home/connect/services/messages).

{% hint style="info" %}
HTTP Header Message-Response-Type: CONFIRMATION\_OF\_PAYEE
{% endhint %}

### Header

| Name         | Value              |
| ------------ | ------------------ |
| Content-Type | `application/json` |
| X-Bank-Code  | `LHVUK`            |

### Body

<table><thead><tr><th>Name</th><th width="107">M/O</th><th>Description</th></tr></thead><tbody><tr><td>OriginalMessageId</td><td>M</td><td></td></tr><tr><td>Data.Answer</td><td>M</td><td><p>Indicator if the verification has produced a full match or not.</p><p><strong>Confirmed</strong> - Verification has produced a full match</p><p><strong>Rejected</strong> - Verification did not produce a full match</p></td></tr><tr><td>Data.Identification</td><td>M</td><td>Account number from the request.</td></tr><tr><td>Data.ActualName</td><td>O</td><td>Actual name if the name in the request is a close match.</td></tr><tr><td>Data.Name</td><td>M</td><td>Name from the request.</td></tr><tr><td>ReasonCode</td><td>M</td><td>Find list of reason codes <a href="#reason-code-values-1">here</a>.</td></tr><tr><td>Description</td><td>M</td><td>Find list of reason code descriptions <a href="#reason-code-values-1">here</a>.</td></tr><tr><td>Errors</td><td>O</td><td></td></tr></tbody></table>

#### Example

{% tabs %}
{% tab title="Successful" %}

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

{% endtab %}

{% tab title="Error" %}

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

{% endtab %}
{% endtabs %}

## Example of the flow <a href="#reason-code-values" id="reason-code-values"></a>

<img src="https://2266620947-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FHGywduAxJuxV3reZhASh%2Fuploads%2FPIt0Pkgc441AiMSg7ZLh%2Ffile.excalidraw.svg?alt=media&#x26;token=189dd435-e316-43c2-b629-c00efd07e06b" alt="Confirmation of Payee Requester" class="gitbook-drawing">

<table><thead><tr><th width="111">Step</th><th width="293">Action</th><th>Description</th></tr></thead><tbody><tr><td>1.</td><td>Initiating Confirmation of Payee Request</td><td>CoP request can be initiated before making a payment to verify the account details of the intended recipient.</td></tr><tr><td>2.</td><td>Forwarding Request to the Directory</td><td>LHV receives the Request and forwards it to the CoP Directory for processing, ensuring accurate and timely validation of the account information.</td></tr><tr><td>3.</td><td>LHV will receive Response to the previously initiated Request</td><td>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.</td></tr><tr><td>4.</td><td>LHV will forward response back to the PSP</td><td>Received Response is also forwarded back to the PSP.</td></tr></tbody></table>

### Reason code values <a href="#reason-code-values" id="reason-code-values"></a>

| 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       | <p>Account no longer exists. This account has been switched to a new one.</p><p>Please contact your recipient for updated account details.</p>                                                    |
| 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       | <p>The account details are a close match.</p><p>However, it's a personal account, not a business account and the actual name on the account is (...).</p>                                         |
| 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. |