Confirmation of Payee - Responder

Description of Confirmation of Payee Responder service.

Service description

The CoP Responder Service enables other banks to request confirmation of creditor account details, including account name, type, and other required fields. To utilize this service, accounts must be synchronized with all mandatory CoP fields.

The documentation of account sync can be found here.

Upon receiving a request, a notification is generated. If you would like to receive these notifications, please contact your relationship manager.

Inbound CoP Request Notification

Incoming CoP Request Notification can be requested via the Messages Services.

HTTP Header Message-Response-Type: CONFIRMATION_OF_PAYEE_INCOMING

Body

Field	M/O	Description
Request.DebtorParty.AccountWith.BankName	O	Structure containing information about the debtor of the request. NB! This field is not currently supported.
Request.Data.Id	M	Name verification ID.
Request.Data.CreatedOn	M	Verification time.
Request.Data.Attributes.AccountClassification	M	Classification of the account to do a name verification on. Can be BUSINESS or PERSONAL.
Request.Data.Attributes.AccountNumber	M	UK account number of the account to do a name verification on.
Request.Data.Attributes.AccountNumberCode	M	Type of the account number, always 'BBAN'.
Request.Data.Attributes.BankId	M	UK sort code of the account to do a name verification on.
Request.Data.Attributes.BankIdCode	M	Type of bank ID, always 'GBDSC'.
Request.Data.Name	M	The name string to be checked for a match.
Request.Data.SecondaryIdentification	O	Secondary reference information to identify the account.
Response.Data.Attributes.Status	M	Admission status, indicates if the request has been successfully received from the counterparty and could be responded to. confirmed in case of success, failed otherwise.
Response.Data.Attributes.Answer	O	Indicator if the verification has produced a (full) match or not. CONFIRMED in case of a full match, REJECTED otherwise. Not populated if request failed.
Response.Data.Attributes.ActualName	O	The actual name of the account holder. Only present in case of a close match
Response.Data.Attributes.ReasonCode	O	Encoded reason for mismatch. Only populated if answer is rejected. Possible values.
Response.Data.Attributes.Reason	O	Human-readable description of reason code . Only populated if reason code is.

Examples

Full Match

{
  "Request": {
    "DebtorParty": {
      "AccountWith": {
        "BankName": "Some Bank Ltd"
      }
    },
    "Data": [
      {
        "Id": "4942f12c-5430-4d1b-8b56-c7f1c8a9118d",
        "CreatedOn": "2021-10-15T18:13:40Z",
        "Attributes": {
          "AccountClassification": "PERSONAL",
          "AccountNumber": "12345678",
          "AccountNumberCode": "BBAN",
          "BankId": "123456",
          "BankIdCode": "GBDSC",
          "Name": [
            "Joe Bloggs"
          ],
          "SecondaryIdentification": "123"
        }
      }
    ]
  },
  "Response": {
    "Data": {
      "Attributes": {
        "Status": "confirmed",
        "Answer": "CONFIRMED"
      }
    }
  }
}

Close Match

{
  "Request": {
    "DebtorParty": {
      "AccountWith": {
        "BankName": "Some Bank Ltd"
      }
    },
    "Data": [
      {
        "Id": "4942f12c-5430-4d1b-8b56-c7f1c8a9118d",
        "CreatedOn": "2021-10-15T18:13:40Z",
        "Attributes": {
          "AccountClassification": "PERSONAL",
          "AccountNumber": "12345678",
          "AccountNumberCode": "BBAN",
          "BankId": "123456",
          "BankIdCode": "GBDSC",
          "Name": [
            "Jo Boggs"
          ],
          "SecondaryIdentification": "123"
        }
      }
    ]
  },
  "Response": {
    "Data": {
      "Attributes": {
        "Status": "confirmed",
        "Answer": "REJECTED",
        "ActualName": "Joe Bloggs",
        "ReasonCode": "MBAM",
        "Reason": "String is a close match to the account name"
      }
    }
  }
}

No Match

{
  "Request": {
    "DebtorParty": {
      "AccountWith": {
        "BankName": "Some Bank Ltd"
      }
    },
    "Data": [
      {
        "Id": "4942f12c-5430-4d1b-8b56-c7f1c8a9118d",
        "CreatedOn": "2021-10-15T18:13:40Z",
        "Attributes": {
          "AccountClassification": "PERSONAL",
          "AccountNumber": "87654321",
          "AccountNumberCode": "BBAN",
          "BankId": "123456",
          "BankIdCode": "GBDSC",
          "Name": [
            "Joe Bloggs"
          ],
          "SecondaryIdentification": "123"
        }
      }
    ]
  },
  "Response": {
    "Data": {
      "Attributes": {
        "Status": "confirmed",
        "Answer": "REJECTED",
        "ReasonCode": "AC01",
        "Reason": "There is no account with the given account number."
      }
    }
  }
}

Example of the flow

Confirmation of Payee Responder

Step	Action	Description
1.	Sync accounts with details required for Confirmation of Payee.	To utilize this service, accounts must be synchronized with all mandatory CoP fields. The documentation of account sync can be found here.
2.	LHV will confirm the synchronization.	See possible error codes here.
3.	LHV receives inbound CoP Request.	LHV will receive inbound CoP Request from Debtor Party.
4.	LHV will provide notification of inbound CoP Request.	LHV will issue a notification regarding a previously received request. This notification will include details about both the request and response.

Reason code values

ReasonCode	Description
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.