Confirmation of Payee

masonic

DavidAC said:

Setup as new payee and made a small payment a few days ago. Got all the not COP are you shaw type messages, but it went through. A larger amount went through yesterday. All the problems started today.
Their fraud system blocked it. They said they do not know why, but it could be because it could not be COP verified.

Santander are notorious for overzealous blocking of accounts due to suspected fraud. Its possible that a COP-verified account will less easily trigger them, but they have been known to block accounts regardless of details matching. Probably too many payments for their liking in a short space of time.

DavidAC

They unblocked my account and added DF to safe list but said it could happen again. They did the payment over the phone. Later I tried another payment to DF. Payment failed and Santander account online access blocked a second time. All they could advise is leave it a few days before trying again or call to do it

lr1277

My mum had a similar problem. Using her Nationwide account to pay for my dad's carers. The care company used a business account with cashplus. The transaction was not allowed on the website.Nationwide told us this because Cashplus weren't part of (at the time) the CoP system.

Their solution was to go into branch. We did this, showed ID etc and confirmed she wanted the payment made. Once this was done in branch, and the payee was on the system, any future payments were done on the website.

Edited to add: Nationwide did stop us adding the cashplus (business) account as a payee.

friolento

In my experience with several banks, none of them stops a payment / the setting up of a new payee as a result of COP failure. They all give you the opportunity to ignore the copious warnings they give you, and let you proceed regardless. Santander is my main account, I have at least two dozen recently created payees which never passed COP. They definitely do not stop you from making payments to an unverified account.

Passing COP successfully does not appear to be a guarantee that your payment will not picked up by fraud prevention software at a later stage, and for apparently random reasons. Particularly at Santander, you can still experience blocked payments to payees which passed COP.

BooJewels

I've only had a large payment stopped once and that was for a second payment to the same recipient on consecutive days, as I wanted to move more than the bank's daily limit.  In that case it was as executor to a beneficiary and COP had worked.  So I suspect this might have more to do with multiple payments to the same recipient.   

GeoffTF

DavidAC said:

Setup as new payee and made a small payment a few days ago. Got all the not COP are you shaw type messages, but it went through. A larger amount went through yesterday. All the problems started today.
Their fraud system blocked it. They said they do not know why, but it could be because it could not be COP verified.

That does not surprise me. That is what Santander's computer does in my experience. Their computer does not like multiple large payments within a short period of time. Send £1, and then send the rest in one go. You can either phone them to do the payment, or phone them if the payment gets blocked or your account is frozen.

friolento

GeoffTF said:

DavidAC said:

Setup as new payee and made a small payment a few days ago. Got all the not COP are you shaw type messages, but it went through. A larger amount went through yesterday. All the problems started today.
Their fraud system blocked it. They said they do not know why, but it could be because it could not be COP verified.

That does not surprise me. That is what Santander's computer does in my experience. Their computer does not like multiple large payments within a short period of time. Send £1, and then send the rest in one go. You can either phone them to do the payment, or phone them if the payment gets blocked or your account is frozen.

My experience with Santander is much more random. I make an average of 40+ payments out of my Santander 123 Lite every month. Most of them by SO but quite a few each month to new payees. None of my payees ever passes COP, due to my chosen way of naming my payees. Though in many cases, I am able to get COP acknowledgement for the sort code/acct number/acct name before I change the acct name to something that is actually meaningful to me. In such cases, ***I**** know that I am using the correct sort code and account number, but the Santander software isn't smart enough to remember that I had just confirmed the sort code, account number and name. So sometimes they then block payments to a payee I set up. Very rarely though.

No SO (or DD) ever failed but one-off payment instructions have sometimes failed randomly on various occasions, for no apparent reasons, and it is always a massive pain having to ring the Santander security folks and convince them to let me transfer my own money to my own accounts elsewhere. I recall about 5 or 6 such occasions in the last so many years. So whilst I still find these these interventions by Santander painful and tedious to resolve, they only happen once in a while, and overall I have got great service by Santander for the last 11 years.

I have also noticed that Santander don't seem to block Open Banking payments any longer. They did block these payments a few months ago, but it seems they have now realised that if an account in my name (which with near certainty has been authenticated by myself) wants to pull money from my Santander account and I approve this payment with biometrics, there is next to zero likelihood that the transaction is fraudulent. So whenever I can, I use the Open Banking Pull-In method to make payments to accounts. They are faster and more secure and less hassle than originating a push-payments from a current account.

GeoffTF

friolento said:

GeoffTF said:

DavidAC said:

Setup as new payee and made a small payment a few days ago. Got all the not COP are you shaw type messages, but it went through. A larger amount went through yesterday. All the problems started today.
Their fraud system blocked it. They said they do not know why, but it could be because it could not be COP verified.

That does not surprise me. That is what Santander's computer does in my experience. Their computer does not like multiple large payments within a short period of time. Send £1, and then send the rest in one go. You can either phone them to do the payment, or phone them if the payment gets blocked or your account is frozen.

My experience with Santander is much more random. I make an average of 40+ payments out of my Santander 123 Lite every month. Most of them by SO but quite a few each month to new payees. None of my payees ever passes COP, due to my chosen way of naming my payees.

My usage is different to yours. I make a few small (£ hundreds or £ thousands at most) Faster Payments each month, and a few £ tens of thousands Faster Payments and debit card payments each year. I have not had problems with the smaller payments. I do not have good statistics, particularly for the larger payments, but failure of COP and multiple large transactions within a short period of time have led to trouble. Santander fixes the problems when I phone them, but it is annoying if they are slow to answer the telephone.

DavidAC

Another attempt to DF Capital has just failed. Then straight after I tried sending the same amount to Marcus. No problem at all, it did not even need an OTP or a pasword, arrived in a couple of minutes. Now I am nervous about DF Capital. Does Santander know something I dont, have I got a bogus sort code. Has anyone else with DF Capital had a problem sending to them?

Sort code checker Sort Code Checker: Find, Identify Bank and Validate Sort Code (sortcodes.co.uk) returns "Df Capital Bank Limited" and

"St. James Building 61-95 Oxford Street
Manchester
M1 6EJ"

I dont feel confident asking Santander over the phone to send it when online they keep rejecting it and on the phone they give me all the warning about not CoP verified, your own risk etc.

I already have a fair bit with them and now I see this of FSCS DF Capital Bank Limited

Some activities by this firm may not be protected

Am I covered by FSCS? I am getting worried

friolento

It just means that the Santander fraud detection software has randomly picked on you again.