Initiating a CoP lookup

ℹ️
To make use of this function, please contact your Zepto Account Manager and enable the cop_account_validations scope within your Zepto API settings.

Parameters

When initiating an alias lookup, you’ll need to specify the following request parameters:

Parameters	Description
`account_identifier`: `type`* (required)	`bban`
`account_identifier`: `value`* (required)	The BSB and Account Number (e.g. `1234560987654321`)
`party_name`* (required)	The party name to validate against the account.
`requester: id`* (required)	A unique identifier of the end customer.

Requester Information

The requester object (i.e. id) is used as a way of enforcing enumeration controls based on the end-user requesting this CoP lookup. This is done as an integral component of Zepto's strategy for preventing fraudulent activities and safeguarding against enumeration attacks, ultimately ensuring the security of the end customer's data. Zepto will be able to provide further details around fraud prevention and usage limits during technical discussions.

Endpoint

POST /cop/account/validate

Request Payload

{
  "account_identifier": {
    "type": "bban",
    "value": "06200011111111"
  },
  "party_name": "Murray Watego",
  "requester": {
    "id": "user1234abcd"
  }
}

Response

Upon submission, a response will show one of the following:

Successful: 200 response with match outcome
Failed: 422 Unprocessable entity with corresponding error message

Notable Fields

Value	Description
`result`	Match result: `match` `close_match` `no_match` `account_closed`
`match_name`	The name matched from the Data Holder.
`insights`: `risk_score`	A proprietary risk score from 0 to 100, where 100 indicates the highest risk. (Alpha - Additional information coming soon)
`insights`:`is_joint`	`True` or `False`
`insights`:`suggested_payment_channels`	`npp.sct` or `de.dc`