Used by financial crime, risk and credit teams
Confirmation of Payee
Find out if the account on a document really belongs to your applicant. We check the details with the account holder's bank instantly, so you know the account is real and it's theirs.
Book a demoSee how it worksUsed by financial crime, risk and credit teams
How it works
Fraudsters swap names, sort codes and account numbers on otherwise genuine documents. Document forensics spots the edits. Confirmation of Payee adds external validation by asking the bank whether those details belong to your applicant.
The basics
Confirmation of Payee (CoP) is the UK's name-checking service for bank accounts. You send the account name, sort code and account number, and the account holder's bank confirms whether the name matches. With Fraudfinder you get a clear match or no match, plus the reason code behind every result.
Fits your stack
Run Confirmation of Payee in reverse, to prove the account on a document really belongs to the applicant.
Live in under an hour, with a drag-and-drop portal
REST API into your decision engine when you're ready
Run it on every check, selected documents or by hand
Proof
Lenders, fintechs and gambling operators use Fraudfinder to stop fraud before the money goes out.
of fraud stopped across 12 applications in the first six months
Cashera · business lendingloan stopped before drawdown
Apex Bridging · case study → £176kof fraud prevented on a small sample of files
Ultimate Finance · case study → £150k+saved in just three cases
Halo Corporate Finance · case study →
Fraudfinder has had great impact, giving our team a useful tool to spot fake and altered statements and bolster our anti-fraud controls, with confidence that we're dealing with genuine individuals and far fewer time-consuming manual reviews.
The ability to detect amendments to documents, on top of the font analysis, gives us another way of spotting fraudulent applications. It provides a robust evidence trail, and has prevented several fraudulent applications since we introduced it.
The ability to quickly verify fraud within bank statements has significantly improved our turnaround time and the quality of our initial checks, with data-backed findings.
Who it's for
If your team decides whether to trust a document, Fraudfinder does the checking behind that call. See how it works in your sector.
ROI calculator
Set your monthly volume, then adjust the assumptions to match your business.
Get started
We'll run real statements through Fraudfinder and show you what Confirmation of Payee flags.
We'll show you Fraudfinder catching real fraud, live.
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FAQs
Because a statement is only as good as the account behind it. Fraudsters edit the name, sort code or account number on a genuine statement, or submit one for an account they don't own. CoP checks those details against the bank's own record, so even a convincing edit fails.
A clear match or no match, plus a reason code and description. For example, MATC means the account name matches, and ANNM means the account name does not match.
Anything where we find a sort code and account number. That includes business bank statements, personal bank statements, joint statements and invoices.
They answer different questions. Document forensics tells you whether the statement has been tampered with. Confirmation of Payee tells you whether the account details on it belong to your applicant. Boost runs both and puts the answers in one report.
No. CoP runs on the same upload you already use, through our portal or our API. Switch it on for every check, pick the documents you want checked, or enter account details by hand.
Per check, on a sliding scale. The more CoP checks you buy, the cheaper each one becomes. It's included in every Boost check, or available on its own.
Yes. We're ICO registered, Cyber Essentials certified, GDPR compliant and independently penetration tested, with UK and EU data residency. Our trust centre has the detail.
Document fraud detection and data extraction for lenders, brokers and financial institutions.
Cyber Essentials certified.