Verify Account Details Before You Pay
Azupay’s Account Check Service (ACS) enables real-time matching of customer-provided details, led by your workflow and powered by Confirmation of Payee and, PayID®, to help you reduce mistakes, minimise rework, and make more confident payment decisions.
Trusted by leading Australian platforms and enterprises
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Why Use Azupay’s Account Check Service
Azupay ACS strengthens decisioning by integrating Confirmation of Payee and PayID, so businesses can check and confirm payment details with greater confidence.
PayID and Confirmation of Payee (CoP)
Real-time matching of account name, PayID or BSB and account number against bank-held records, returning match outcomes to inform next steps.
Reduce Mistaken Payments
Spot mismatches early so you can correct details before a payment is attempted.
Streamline Setup and Exceptions
Lower return rates and manual handling by confirming details at the point that suits your workflow.
Configurable to Your Processes
ACS adapts to how your business collects data and manages payments. You decide when checks run and which method is used, while Azupay helps design and implement the ideal flow.
Trusted and Compliant
Built for enterprise governance, auditability, and scale.
How It works
Capture
Your workflow collects either a PayID or BSB/ account number/ account name. ACS will use the pathway you configure.
Match
If account name and BSB + account number >
Confirmation of Payee
If mobile or email identifier > PayID
ACS returns match results in real-time.
Decide
Use match outcomes to proceed with the payment or request updated details.
The Three Ways to Use Account Check Service
Onboarding for Future Payments
Payee-Entered Verification - Simple and self-service
Flexible Implementation via API, Batch or Hosted UX
When using the hosted UX, customers can view the exact name held on record when a match or close match is returned for CoP, match or no match for PayID; otherwise, only the match result is displayed. This gives businesses a configurable, low-friction way to confirm payment details before funds move.
Where Azupay Delivers Impact
From retail to travel, insurance to government, we help enterprises cut costs, reduce failures, and get paid faster.
Travel and airlines
Travel and airlines At a glance: what you can do Increase booking success
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Insurance and financial services
Payments modernisation made easy. Instant claims payouts with identity and account checks built
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Government and utilities
Increase back-office efficiency and customer experience. Immediate confirmation; transparent audit trails that
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Gaming
Frictionless pay-ins and instant, compliant payouts. Give players a fast, trusted experience
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Retail and ecommerce
Memberships, instalments, and loyalty subscriptions that work reliably.
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Integration That Fits Your Business
Whether you prefer direct API integration or workflow-driven configuration via your Azupay environment, ACS adapts to your systems and processes.
Azupay works with your technical and operational teams to design, configure, and optimise flows that reduce friction and scale with your business
Insights, Proof & Guidance
Solving Refund Challenges in Australian Payments
Refunds made simple — reducing manual effort and customer frustration with smarter, real-time payment solutions from Azupay.
Confirmation of Payee – How It Protects Your Business and Customers
In a payments world where scams are growing more sophisticated, Confirmation of Payee (CoP) offers a powerful line of defence, stopping authorised push payment fraud before a transaction goes through.
Why Azupay is Backing Passkeys to Secure the Future of Real-Time Payments?
The pace of innovation in payments is accelerating, but so is the sophistication of fraud. At Azupay, we don’t just enable real-time payments
Explore More Ways to Pay with Azupay
Receive Payments
Get paid fast with PayID and PayTo® - fast and easy to reconcile.
Pull payments
Go beyond direct debit. Power subscriptions, instalments, and top-ups. Flexible agreements that reduce failures and keep customers in control.
Disburse Payments
Send funds instantly with enterprise-grade controls, configurable approvals, and real-time settlement.
Start Your Conversation With Azupay
Whether you’re exploring our products for your business or looking to partner with us, tell us a little about your needs and we’ll connect you with the right team.
See What You’ll Save
Discover how Azupay cuts costs compared to cards, BNPL, EFT, and cheques.
Plan Your Integration
Speak with our team to map out the fastest way to go live – direct or via a partner platform.
FAQs
What is Account Check Service (ACS)?
ACS is Azupay’s configurable validation service that checks customer-provided PayID or bank account details against trusted data sources. It includes Confirmation of Payee and PayID to help businesses make informed decisions before a payment is attempted.
What is Confirmation of Payee?
Confirmation of Payee matches the entered BSB, account number and account name with the account details held by the recipient’s bank and provides a match result.
When is PayID name checking used?
If the user provides a PayID (email, mobile, ABN or the organisation name), ACS resolves information attached to a PayID instead of CoP. These checks are mutually exclusive and selected automatically based on the data your workflow collects.
What do Confirmation of Payee match outcomes mean?
Match: Details match bank-held records
Close match: Details closely match bank-held records
No match: Details don’t match bank-held records
Error: The service couldn’t confirm the details
Can we decide how ACS is used in our workflow?
Yes. ACS is designed to be configured to your processes. Your business decides how data is collected, when checks run, and what actions occur after a result is provided. Our solutions ensure your use case remains compliant with privacy obligations, and optimal information security practices.
What is a mistaken payment?
A mistaken payment can occur for several reasons – for example, sending funds to the wrong account, sending the incorrect amount, issuing duplicate payments, or attaching inaccurate reference information. ACS helps reduce the likelihood of mistaken payments caused by incorrect account details, while other Azupay controls can help address additional sources of payment error.