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

Defines if the verification is expecting a PERSONAL or BUSINESS account

Identification

UK account number of the account to do a name verification on. BBAN (sort code + account number)

Name

The name string to be checked for a match.

SecondaryIdentification

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

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

{
  "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

Data.Answer

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

Account number from the request.

Data.ActualName

Actual name if the name in the request is a close match.

Data.Name

Name from the request.

ReasonCode

Find list of reason codes here.

Description

Find list of reason code descriptions here.

Errors

Example

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

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

Example of the flow

Step

Action

Description

Initiating Confirmation of Payee Request

CoP request can be initiated before making a payment to verify the account details of the intended recipient.

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.

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.

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