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Confirmation of Payee | NatWest Business
Confirmation of Payee (CoP) is a name checking service that checks the name of the account holder you intend to pay, along with their account details when making a new single sterling UK payment or a single CHAPS payment using Bankline.
The CoP check has been introduced to help reduce fraud and to give you more confidence when making payments.
Payments made to you
It’s important you give whoever is making a payment into your account, your business or trading name that’s registered on your account.
If your account name changes then don’t forget to let people know.
Payments you make
When you set up a new single sterling UK payment, or change an existing one, a CoP check will be made against the name on the account you want to pay by their bank.
The CoP check will generate one of four responses.

New Confirmation of Payee Corporate Direct Access API
Our API has been developed with our corporate customers in mind, to do more than the core mandatory CoP service. It goes above and beyond what you can already access, and allows you to embed this service directly into your own systems.
This enables you to carry out bulk checks against outbound payee details, for payments made using BACS, CHAPs and Faster Payments - which could save you time, improve customer experience, reduce costs and help detect fraud.
For further information contact your usual Bank representative or find out more at our Bank of APIs.