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Home > Solutions > Confirmation of Payee > For businesses

A smart, safe way to pay employees, vendors and customers 

Designed with businesses in mind, Confirmation of Payee provides match outcomes to help you make informed decisions and help protect your payments from errors and mistaken payments. 
Confirmation of Payee_Close match outcome

Why Confirmation of Payee matters for your business

Confirmation of Payee matches the account name, BSB and account number against the recipient’s bank records to provide match outcomes.

  • Minimises errors: Reduces the likelihood of mistaken payments.
  • Promotes confidence: Gives businesses confidence that bank details of employees, vendor and customers match before they pay.
  • Efficiency: Reduces manual work and exception handling.
  • Saves costs: Eliminates the need for micro-deposits or payment retries.

Match before you pay

When you make a payment, Confirmation of Payee checks the account name, BSB and account number you’ve entered against the details held by the recipient’s bank. You’ll see a match outcome that helps you decide whether to continue with the payment, or double-check the details with the intended recipient.
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Match

Match means the details you’ve entered match the bank records of the intended recipient.
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Close match

Close match means the details you’ve entered closely match the bank records of the intended recipient.
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No match

No match means that the details you entered do not match the bank records of the intended recipient. 
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Error

The service could not confirm the account details you entered match. 

Use cases
  • Streamline employee setup processes by matching their provided bank details before you run payroll, reducing errors or payment delays.
  • Prevent fraudulent and mistaken payments to your vendors by matching banking records.
  • Set up customer payments confidently by matching bank details before you pay.
  • As cheques are phased out, pay dividends direct to your customer’s bank account and ensure it will get to the intended recipient before you pay. 
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FAQs
What is Confirmation of Payee?
Confirmation of Payee is an industry-wide service that adds a layer of protection for payments to a BSB and account number. It checks the account name, BSB and account number you’ve entered against the details held by the recipient’s bank and lets you know whether it’s a match. This can help you make informed decisions before you make a payment, reducing the risk of scams and mistaken payments.

Confirmation of Payee is an initiative of Australian Payments Plus, the same organisation that also provides trusted payment services like BPAY, Osko, eftpos, PayID and PayTo.  
How do I activate Confirmation of Payee?​
You don’t need to do anything. Confirmation of Payee will be made available in your online Banking. When you make a payment to a BSB and account number, or edit a payee’s BSB and account number, you will be given the match result before you make a payment.
How does Confirmation of Payee work?​
When you make a payment to a BSB and account number, Confirmation of Payee checks the details you enter against the name, BSB and account number held by the recipient’s bank and gives you a match outcome. ​That helps you decide what you want to do next – and gives you more confidence that the money you’re paying is going to the right account. 
How does my bank check my details?
Confirmation of Payee checks the account name, BSB and account number you’ve entered against the details held by the recipient’s bank to let you know whether it’s a match or a close match – or if the details don’t match at all. All Confirmation of Payee information is passed securely between financial institutions to ensure your data remains safe.
I’m receiving money into my account – who can see my information?​
If you are receiving money into a personal account, the person who’s paying you will be shown the account name only if the name they have entered is a match or a close match. If any of these details are incorrect, the name will not be shown to protect your privacy. 

If you’re a business or government organisation account that’s receiving a payment, the name of your account will be shown to the payer, regardless of whether it’s a match or not. 
What do the match outcomes mean?
Account match means the details you’ve entered match the bank records of the intended recipient.

Close match means the details you’ve entered closely match the bank records of the intended recipient. 

No match means that the details you entered do not match the bank records of the intended recipient. 
Can I still make the payment whatever the match outcome?
Yes. Confirmation of Payee will never stop you from completing a payment. We encourage you to be scam aware and always take steps to make sure you know who you are paying, as scams or mistaken payments may be difficult to retrieve​. 
What information should I share when I want to receive payments?
If you want to get paid without any confusion or potential delays, you should share the name, BSB and account number for your bank account. This is especially important if you’re a business with an account name that differs from the name you’re using to take a payment; for instance, if you have a different trading name for a particular part of your business. 
What should I do when a name has special characters, such as ‘, -, or &?
Names with special characters, like apostrophes (‘), will still match without being entered. For example, enter “O’Brien” as “O Brien” or “Obrien”. Or an account name with an ampersand (&) such as Paper & Pen can be entered as Paper Pen. 
The name field won’t accept the full name, what do I do?
If the name you're trying to enter exceeds a character limit in your online banking, let the recipient know and consider how best to proceed by contacting your financial institution. 
The account number field won’t accept the full account number, what do I do?
If the account number you're entering exceeds the character limit in your online banking and the account number you are entering starts with zeros, you can remove the zeros and check those account details match. If you're still unsure, let the recipient know and contact your financial institution.
What’s a mistaken payment?
If you enter the wrong account details, you can end up sending your money to the wrong recipient. This can be difficult and time-consuming to resolve, which is why it’s important to check the accuracy of the details you enter before you send your money.
Can I opt out of having my name displayed to others?
Eligible customers may request to be opted-out of the Confirmation of Payee service. This means your account name and match outcome will not be displayed to payers and could impact the likelihood of the payer proceeding with the payment. To understand the opt out process and the implications, please contact each of your financial institutions.
I’ve changed my name, how do I update so the service shows my new name?
To ensure your name is accurate in the Confirmation of Payee service, please contact each of your financial institutions. 

Latest Confirmation of Payee updates
​Scams Awareness Week: How AP+ is building scam protection into everyday payments
Australian Payments Plus (AP+) is continuing to step up its efforts to make payments safer, faster, and more secure, by (read more)
25 August 2025
Australian banks launch new defence in battle against scammers
Australian banks have today unveiled their latest scam fighting technology, with the launch of Confirmation of Payee – a new (read more)
2 July 2025
New Confirmation of Payee service hits important milestone 
Australians are now one step closer to having access to another important layer of protection against scammers with the design (read more)
8 August 2024
Development of industry Confirmation of Payee Solution 
Australian Payments Plus (AP+) has resolved to work with NPP Participants to deliver a Confirmation of Payee service for payments (read more)
30 November 2023
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