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What does it mean when the account name can’t be checked or doesn’t exist in Confirmation of Payee?

Sometimes we won’t be able to check the name on the account you’re sending a payment to. This doesn’t always mean that anythings wrong, it could just be that the payee’s bank isn’t using Confirmation of Payee yet. Even when Confirmation of Payee is not available, it’s important to do your own checks. If you choose to continue to make the payment without updating the payee’s details, and it turns out that your payment is sent to the wrong payee, we may not be able to get your money back.