Banfico

ListedVerification

UK Confirmation of Payee and EU Verification of Payee through one API, for single or bulk checks.

banfico.com ↗

What it does

Each capability by country. Integrated means Unirail’s adapter does it today; listed means Banfico offers it according to its public documentation, and Unirail can’t route it yet.

Verification

  • Confirmation of Payeeverification.cop

    UK Confirmation of Payee: asks the payee's bank whether the name matches the sort code and account number.

  • Verification of Payeeverification.vop

    EU Verification of Payee: asks the payee's PSP whether the name matches the IBAN, as the Instant Payments Regulation requires.

    • listedATBEBGCYDEEEESFIFRGRHRIEITLTLULVMTNLPTSISK

      Single or bulk checks. VoP reaches non-euro EU countries from 9 July 2027 (Regulation (EU) 2024/886).

      Source, checked 2026-10-08 ↗

Checks that account details belong to the person or business you expect.

Coverage

Countries

  • GB United Kingdom
  • AT Austria
  • BE Belgium
  • BG Bulgaria
  • CY Cyprus
  • DE Germany
  • EE Estonia
  • ES Spain
  • FI Finland
  • FR France
  • GR Greece
  • HR Croatia
  • IE Ireland
  • IT Italy
  • LT Lithuania
  • LU Luxembourg
  • LV Latvia
  • MT Malta
  • NL Netherlands
  • PT Portugal
  • SI Slovenia
  • SK Slovakia

Account schemes

  • payto://scan
    UK sort code and account number
  • payto://iban
    IBAN

Custody

Who holds the money while a payment through Banfico is in flight. Unirail records custody on every leg, and your routing policy decides which kinds are allowed.

  • noneNo custody

    Nobody holds the money. The payer’s bank pays the payee’s bank directly; the provider only instructs it.

Who is regulated

Listed by Pay.UK as a Confirmation of Payee aggregator; Unirail hasn't checked its own regulatory status.

With your own contract, you stay the provider’s customer. Unirail acts as your technical service provider and calls Banfico with your credentials.

Onboarding

Sandbox
Sandbox on request
Production
Contract with the provider

Credentials

Banfico has no adapter yet, so there is no folder layout to create. It will appear here when the provider is integrated.

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