---
title: "Confirmation of Payee (UK) - Concept Guide"
slug: "confirmation-of-payee-uk"
updated: 2026-07-09T15:09:19Z
published: 2026-07-09T15:09:19Z
canonical: "www.documentation.paynetics.digital/confirmation-of-payee-uk"
---

> ## Documentation Index
> Fetch the complete documentation index at: https://www.documentation.paynetics.digital/llms.txt
> Use this file to discover all available pages before exploring further.

# Confirmation of Payee (UK) - Concept Guide

### Confirmation of Payee (UK)

Confirmation of Payee (CoP) applies to GBP outbound and inbound transfers via Faster Payments.

#### Outgoing transfers

For each outgoing Faster Payments transfer, a CoP request must be performed **before** executing the transaction.

- The transfer must not proceed until the CoP result is presented to the end user and confirmed
- If recipient details are edited, a new CoP request must be made

#### Incoming transfers

For inbound Faster Payments transfers, Paynetics responds to CoP requests on the partner's behalf.

Partners are responsible for keeping customer details (name, account number, account type) up to date to ensure accurate responses.

#### CoP API

[The CoP endpoint](/api/apidocs/v2cop-2) is used to perform CoP requests. Each request generates a unique token that identifies the CoP check.

Store this token for reconciliation and future functionality.

A UK payment scheme operated by Pay.UK that enables near real-time account-to-account GBP transfers, typically settling within seconds. Paynetics accesses Faster Payments via its partner settlement banks (ClearBank and LHV UK) for inbound and outbound UK payments.