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Understanding Match Results

What NameCheck results mean and how to use them

NameCheck Version

This page relates to the version of NameCheck API which includes Confirmation of Payee (launched October 2026).

NameCheck compares the account details entered by a user (BSB, account number and account name) using both confirmed account data from Australian Payment Plus' Confirmation of Payee and historical payment data observed by CommBank, and returns a result indicating how closely those details align with the intended payee.

It's important to understand what these results mean — and what they don't — so they can be used appropriately within your customer experience.

NameCheck results examples

Possible Match Outcomes

NameCheck results generally fall into the following categories:

Match

The provided account details strongly align with the intended payee based on authoritative verification

What this means:

  • The details entered strongly align with the intended payee.

What this doesn't mean:

  • It is not a guarantee that the account is correct
  • It does not confirm the identity of the recipient

What you should do:

  • Even when a positive match is returned, users should still ensure they are paying the intended recipient.

Close Match

There is partial or conflicting alignment between signals, details may be correct but require confirmation

What this means:

  • There is partial or conflicting alignment between the validation signals.
  • The name entered may slightly differ from the registered account name, but successful payments to this account using that name may have been observed previously.
  • The details may be correct but require confirmation before proceeding.

What you should do:

  • Prompt the user to carefully review the details entered
  • Encourage them to confirm the exact account name with the recipient if unsure

No Match

The provided account details do not align with the intended payee

What this means:

  • The details entered do not align with the intended payee.

What you should do:

  • Prompt the user to check and correct the details before proceeding
  • Encourage them to confirm the exact account name with the recipient if unsure

Account Closed / Inactive

The account is verified as closed or inactive

What this means:

  • The BSB and account number provided relate to an account that is closed or inactive.

What you should do:

  • Prompt the user to check the account details before proceeding
  • Encourage them to confirm the correct account details with the recipient

Important Considerations

  1. NameCheck is not an absolute confirmation of payee details

    • It does not verify ownership of an account nor guarantee funds will reach the intended recipient

  2. NameCheck results are to be used as guidance

    • Results are intended to help users identify potential errors in payee details
    • They should always be presented as guidance, not certainty.
    • They should not deter users from undertaking further verification, for example by directly contacting payees to confirm their details.

  3. NameCheck does not prevent users from proceeding with a payment

    • Users always remain in control
    • Even with a No Match or Close Match outcome, NameCheck does not prevent users from making a payment (unless your implementation requires it).