> For the complete documentation index, see [llms.txt](https://developer.flash-payments.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://developer.flash-payments.com/~/revisions/VVAbKd5tNL6a2Thg7Hh6/other/confirmation-of-payee.md).

# Confirmation of Payee

Confirmation of Payee (CoP) is a security feature that verifies whether an account holder's name matches the account details you provide before making a payment. It helps to:

* Reduce fraud by verifying the account holder's name before sending funds
* Prevent accidental payments to wrong accounts due to mistyped details
* Provide confidence that money is being sent to the intended recipient
* Alert you when the account name doesn't match or only partially matches

{% hint style="info" %}
CoP is an opt-in feature. Please contact Flash Payments support to have it enabled for your account. 
{% endhint %}

### Making a CoP Request

To verify account details, execute the `confirmationOfPayee` mutation. You must provide the account identification type, the relevant account details, and the account name you wish to verify.

{% tabs %}
{% tab title="JavaScript" %}

<pre class="language-javascript"><code class="lang-javascript"><strong>const bodyJSON = {
</strong>  variables: {
    input: {
      accountIdType: "BSB",
      bsb: "012003",
      accountNo: "123456789",
      accountName: "John Smith",
    },
  },
query: `
  mutation ($input: CopInput!) {
    confirmationOfPayee(input: $input) {
      success code message billable
    }
<strong>  }`,
</strong>};
</code></pre>

{% endtab %}

{% tab title="GraphQL Query" %}

```graphql
mutation ($input: CopInput!) {
  confirmationOfPayee(input: $input) {
    success
    code
    message
    billable
  }
}
```

{% endtab %}

{% tab title="Variables" %}

```javascript
 {
  "input": {
    "accountIdType": "BSB",
    "bsb": "012003",
    "accountNo": "123456789",
    "accountName": "John Smith"
  }
}
```

{% endtab %}

{% tab title="Response" %}

```javascript
{
  "data": {
    "confirmationOfPayee": {
      "success": true,
      "code": "MATCH",
      "message": "Account name matches",
      "billable": true
    }
  }
}
```

{% endtab %}
{% endtabs %}

The `code` field in the response indicates the [result of the verification](https://developer.flash-payments.com/~/revisions/QODtCCHQ0ULYQp2U9s5d/other/confirmation-of-payee/response-codes).&#x20;

The `billable` field indicates whether the CoP request may be subject to a fee. CoP requests are billed based on your agreement with Flash Payments. Contact support for details on pricing.


---

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