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How do I use the Confirmation of Payee digital banking payment check?

When you add a new payee or edit an existing payee in Westpac One we automatically check the name you enter against the account holder name at the bank you are paying into with the Confirmation of Payee service.

The check only takes a few seconds.

1. Add or edit the name of the person or business you want to pay or add to your list of payees. For a step by step guide go to How do I add and edit a payee?

2. Select ‘Check details’.

The service compares the account name and number you entered with the account holder name at the bank you’re paying into.
It then gives one of the following results.

Match

The name and account number match the bank records for the account you’re paying into. 

1. The ’Match’ result appears below the account number.
2. Select ‘Done’ to save the payee details or go ahead with the change or payment.

Partial match

The name is not an exact match for the account number you’ve entered.  

- There could be a typo.  
- Check the details and only continue if you’re sure they are correct.

1. A ‘Partial match’ box pops up.
2. Select ‘Go back’ to check the details with the person you’re paying OR
‘Save anyway’ or ‘Continue anyway’ to go ahead.

Not a match

The name doesn’t match the account number.

- Check the details. 
- Make sure you trust the payee.
- To continue, confirm you understand the risk.

1. A ‘Not a match’ box pops up.
2. Select ‘Go back’ to check the details OR
Tick ‘I understand the risk and want to continue’.
3. Then ‘Save anyway’ or ‘Continue anyway’ to go ahead.

Can’t check account details

The bank you’re paying into can’t confirm the details for the account you’re paying into.

- Check the details and only go ahead if you’re sure they are correct.

1. A ‘Can’t check account details’ box pops up.
2. Select “Go back” to check the details OR
Select ‘Continue anyway’ or ‘Save anyway’ to go ahead.

Can’t check account details

The bank you’re paying into doesn’t provide the service.

Check the details and only go ahead if you’re sure they are correct.

1. A ‘Can’t check account details’ box pops up.
2. Select “Go back” to check the details OR
Select ‘Continue anyway’ or ‘Save anyway’ to go ahead.

Can’t check account details right now

There is a technical issue at the moment.

Only go ahead with the payment if you’re sure the account number is correct, or try again later.

1. A ‘Can’t check account details right now’ box pops up.
2. Select ‘Go back’ to try again later OR
Select ‘Continue anyway’ or ‘Save anyway’ to go ahead.

Account may not exist

The bank you’re paying into can’t confirm if the account exists. 

- Check the account number and only continue if you’re sure its correct.
- To continue, confirm you understand the risk.

1. An ‘Account may not exist’ box pops up.
2. Select ‘Go back’ to check the details OR
Select ‘Continue anyway’ or ‘Save anyway’ to go ahead.

3. You can then choose to go back and check the payee details or continue with the payment.

If your business uses Westpac One Business, Corporate Online or Business Online digital banking your outgoing payments won’t be checked as the service will only be available in Westpac One.
For other how to guides go to:

Why the service isn’t checking international or credit card payments

We are focusing on rolling the check out across New Zealand banks.
Both the sending and receiving banks need the same system for the service to complete the payment check.
Bank accounts use different account number structures in different countries.

Credit card payments are protected by measures like MasterCard Identity Check and other fraud detection technology.

We recognise that international payment and credit card scams are concerning. We also monitor fraud trends 24/7, use technology to detect fraud and work with other organisations to help prevent scams. Keep up to date with scams, make sure you trust the person you are paying and double check their details before you make a credit card or overseas payment.