Provider & rails
Add an address-quality verdict to every payee check.
A name + account match tells your customer the payee is real. It says nothing about whether the address will clear the network on 15 Nov 2026. That gap is a verdict you can return — one field, one endpoint.
The hinge — the false green light: a payee passes your check, the payment is built on that confidence, and it bounces on an address your product never inspected. ARS turns a presence commodity into a payment-success predictor.
Where you call ARSThe narrowest integration in the catalogue.
| Placement | At-Source |
| Scope | Party Address only (Data) — 7 of 27 endpoints, zero messages to build |
| Channel preset | cop-verify |
| Pattern | Fail-open ride-along inside your existing CoP / VOP response |
| Verdict | COMPLIANT / HYBRID / NON_COMPLIANT + a cited reason code |
Your channel presetAddress-level structural checks only — pre-check by nature.
{
"channelName": "cop-verify",
"channelSelection": {
"channel": "api", "direction": "INBOUND", "pspCountry": "GB", "timezone": "Europe/London"
},
"preferences": { "quality": "standard", "targetFormat": "auto" }
}
Endpoints you'll useTwo looking operations plus a light normalise.
| Endpoint | Does |
|---|---|
EP-03 Check Party Address | Return an address-quality verdict alongside your name / account match. |
EP-06 Classify Party Address | Detect the format (structured / hybrid / unstructured). |
EP-01 Process Party Address | Normalise a single address ahead of the match. |
EP-05 Render Party Address | Down-render for a legacy screening engine. |
Recommended use casesThree address-level checks, all At-Source.
verified_userVerify a payee address inside a CoP check
Validate
Data At-Source
Run structural address validation as part of a Confirmation of Payee response.
EP-03 Check Party Address
edit_documentValidate an address on a form, in real time
Validate
Data At-Source
Check one address structurally as it is typed, sub-100ms, before the match.
EP-03 Check Party Address
categoryClassify and normalise a payee address
Classify to Correct
Data At-Source
Detect format and normalise a single address ahead of a name or account match.
EP-06 / EP-01 Classify and Process Party Address
Watch out for — you never own a pain or pacs message — this is Data-scope only. The check is fail-open: if ARS is unavailable, your existing name / account verdict returns exactly as today. The verdict rides inside your current response shape, so there's no integration change on your customer's side.