Potwierdzenie begunstigdeului (CoP)
What Confirmation of Payee (CoP) is, how the UK name-check scheme works, and how it compares to the EU's Verification of Payee under the Verordening instantbetalingen.
Ce este Confirmation of Payee?
Confirmation of Payee (CoP) is the UK's account name-checking service. Before a payment is sent, it confirms whether the name a payer enters matches the name on the destination account, returning a Overeenkomst, Bijna overeenkomst sau Geen overeenkomst.
CoP was introduced to fight fraudă de tip overboeking autorizat and plăți greșit direcționate. The EU's Verification of Payee applies the same idea across the SEPA area under the Verordening instantbetalingen.
The two schemes share a goal and a user experience but differ in geography, governance and technical rules — which matters for any organisation operating in both the UK and the EU.
Confirmation of Payee pe scurt
Informațiile esențiale despre piața CoP.
System brytyjski
CoP is the United Kingdom's account name-checking service.
Ochrona înainte de fraudemi
Built to cut fraudă APP and plăți greșit direcționate before sending.
Name Overeenkomst
Zwraca rezultat: conformiteit, Bijna overeenkomst sau Geen overeenkomst pentru nazwy begunstigdeului.
How CoP and VoP relate
Same idea, different geographies and rules.
- UK
Confirmation of Payee
The UK name-check scheme, live and widely adopted across UK banks.
- EU
Verification of Payee
Odpowiednik SEPA conform regulamentului în sprawie plăților instant, din 9 octombrie 2025 r.
- Oba
Operating across regions
Firms in the UK and EU must meet both schemes' rules and coverage.
Dlaczego verificatie nazwy begunstigdeului ma znaczenie
The value CoP and VoP share.
Less fraud
Warns payers before money leaves for a mismatched account.
Fewer errors
Catches mistyped or out-of-date account details.
mai mult zaufania
Gives payers reassurance on every overboeking.
Confirmation of Payee
Veelgestelde vragen o CoP.
Confirmation of Payee (CoP) is the UK's account name-checking service that confirms whether the begunstigde name a payer enters matches the destination account before a payment is sent.
CoP is the UK scheme, while Verification of Payee (VoP) is the EU/SEPA equivalent introduced under the Verordening instantbetalingen. They share the same goal but differ in geography, governance and technical rules.
CoP limitează frauda APP către conturi false și plăți greșit direcționate, avertizând betalerul când numele nu se potrivește cu contul, deși este doar una dintre straturile de protecție.
If you operate in both the UK and the EU, you need to meet both schemes. A provider like RoxPay can cover the SEPA VoP side printr-o singură integrare.
Add a begunstigde name check for SEPA
Discută cu RoxPay în sprawie Verification of Payee — UE odpowiednika CoP — în cadrul jednej integracji.