Sort Code Verification helps organisations confirm that a sort code exists, is valid and can support the intended payment type before funds are sent. By verifying bank account information at the point of capture, businesses can reduce payment failures, improve data quality and strengthen payment controls.
When combined with Confirmation of Payee (CoP), Sort Code Verification provides a more complete picture of the bank account being used, helping you identify issues that name checking alone cannot detect.
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Confirmation of Payee plays a vital role in confirming whether an account name matches the account details provided. However, CoP only validates the name against the receiving account.
Sort Code Verification fills these gaps, helping organisations identify issues before a payment journey progresses further.
A sort code exists
A sort code is active and routable
The destination bank supports the required payment scheme
The account details are structurally valid
A payment may fail due to unsupported bank routing
Confirmation of Payee performs a real-time name check and returns a match, close match, no match or unavailable result. This helps reduce misdirected payments and Authorised Push Payment (APP) fraud.
Sort Code Verification tells you where you're paying
Using industry sort code intelligence, Sort Code Verification verifies that a UK sort code exists and can be used for payments. It also returns additional information about the destination bank and available payment services.
Together, these checks provide greater confidence before every payment.
This additional intelligence can help organisations make better payment decisions, improve routing accuracy and reduce operational effort.
Identify invalid, inactive or unsupported sort codes before payment initiation, helping to reduce avoidable payment failures.
Understand which payment schemes are available and ensure the selected payment method is supported by the destination bank.
Catch common data-entry errors early, reducing downstream remediation and manual investigations.
Layer Sort Code Verification alongside Confirmation of Payee to build stronger payment verification journeys and reduce payment misdirection risk.
Provide immediate feedback when account details require correction, reducing delays and friction in customer onboarding and payment journeys.
Sort Code Verification can be applied across a wide range of payment journeys, including:
By validating bank details at the point they are provided, organisations can prevent issues before they become payment failures.
Part of CoP+
Sort Code Verification is available as part of CoP+, our enhanced account verification solution.CoP+ combines:
Giving organisations the information they need to validate account details, verify the account name and confirm the payment route through a single integrated service.
Learn More About Confirmation of Payee
Sort Code Verification works alongside Confirmation of Payee to deliver a more complete account verification journey.
Looking for real-time name checking?
Discover how Confirmation of Payee helps organisations reduce fraud, prevent misdirected payments and increase confidence before money moves.
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