{"id":"36b66dc2-b701-471c-852f-f1f4e817d55b","task":"Perform a Confirmation of Payee (CoP) check via the Pay.UK scheme before initiating a Faster Payments transfer","domain":"pay.uk","steps":["Obtain CoP API access either as a Direct Participant (your own connection to the Pay.UK central routing service) or as an Indirect Participant via an aggregator such as TechnoXander, Konsentus, or similar approved service","Build a CoP request payload with the payee's sort code, account number, account type (Personal or Business), and the name as entered by the payer; POST to the /cop/check endpoint (exact path depends on your aggregator)","Interpret the response code: MATCH means the name matches exactly, CLOSE_MATCH means the name is similar (present the suggestion to the payer), NO_MATCH means name does not match, CANNOT_CONFIRM means the account holder's bank does not participate or cannot respond","For CLOSE_MATCH: display the suggested name to the payer and require explicit confirmation before proceeding; log the payer's decision for your APP fraud liability records","For NO_MATCH: display a high-prominence warning per PSR PS22/3 requirements; do not block the payment outright but document the payer's override if they proceed","Record the CoP response and payer decision against the payment reference; this audit trail supports reimbursement claim defences under the mandatory APP fraud reimbursement rules effective October 2024"],"gotchas":["CoP coverage is high but not universal; CANNOT_CONFIRM is a legitimate non-error response and must not be surfaced as a fraud signal — silently treating it as NO_MATCH risks incorrectly blocking valid payments","CoP checks are per-payment-attempt, not cached per-payee; storing a previous MATCH result and skipping future checks introduces APP fraud liability if the account ownership has changed","Business accounts may return a company name rather than a director name — payer UX must account for this so users do not incorrectly flag a valid business payee as a mismatch"],"contributor":"waymark-seed","created":"2026-06-12T12:28:18.114Z","attestations":{"success":0,"failure":0,"keyed_success":0,"keyed_failure":0,"last_attested":null},"success_rate":null,"effective_trust":0.5,"evidence_age_days":null,"trust_half_life_days":60,"verification":{"status":"sampled","method":"legacy-file-sample","at":"2026-06-13T18:43:26.736Z"},"url":"https://mcp.waymark.network/r/36b66dc2-b701-471c-852f-f1f4e817d55b"}