Confirmation of Payee provides a layer of protection for payments to a BSB and account number by matching the account details entered with the account details held by the recipient's bank and displaying a match outcome.
What is it
Confirmation of Payee is an industry-wide service that matches the bank account details entered by a payer with the account details held by the recipient's bank and displays a match outcome to the payer. It's a new layer of protection for Australian consumers and businesses when they're making a payment to a BSB and account number.
How does it work
Confirmation of Payee matches the bank account details entered by the payer with the account details held by the recipient's bank and displays the outcome. The payer can then make an informed decision about what to do next - pay, check the details again or choose not to proceed with the payment altogether.
Who offers it
Confirmation of Payee is an industry-wide service and is an initiative of Australian Payments Plus (AP+).
Why does it matter
Confirmation of Payee can help safeguard people and businesses from fraud, scams and mistaken payments, and help protect their money. It provides confidence that the details entered match the details held by the recipient's bank. It gives banks and financial institutions another vital tool to combat fraud and scams and further builds trust when paying a BSB and account number in Australia.
Match outcomes
There are four possible match outcomes. Each result gives the member a chance to make an informed decision about what action to take next.
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.
You don’t need to do anything. Confirmation of Payee is already available in Bank Orange's Internet Banking and Mobile Banking App. 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.
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.
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.
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.
Confirmation of Payee will check account details for all first-time payments or future dated first-time payments set up to a BSB and account number and when you make amendments to your online banking address book. Additional checks may be made depending on the financial institution.
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.
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.
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.
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.
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 us on 02 6362 4466.
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.
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 us on
02 6362 4466.
To ensure your name is accurate in the Confirmation of Payee service, please contact us on 02 6362 4466.
