Scope & reliance — 🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only. Alias directory requirements vary significantly by network and jurisdiction. Verify against each network's operating rules and your legal counsel before implementation. Not a substitute for legal or compliance advice. Deterministic logic · no inference · zero PII · CC BY 4.0.

Target Alias Networks (select all applicable)

FedNow Alias

US · Fed alias directory for account-to-account RTP. Optional feature for FedNow participants.

UK Confirmation of Payee (CoP)

UK · PSR mandated name verification before Faster Payments and CHAPS. VocaLink central directory.

Zelle / EWS Directory

US · Email/mobile alias routing via Early Warning Services. Bank-to-bank RTP network.

UPI (India)

India · VPA (Virtual Payment Address) alias system. NPCI managed. Global UPI expansion via RBI.

PayID (Australia)

AUS · NPPA alias registry (mobile/email/ABN). Osko RTP network. PayID name check mandatory.

SEPA Proxy Lookup (SPL)

EU · EPC proxy lookup scheme for SCT Inst. Mobile number / email to IBAN resolution.

Enrollment & Registration

Customer Alias Enrollment Rate (%)

Total Enrolled Customers (estimate)

Self-service enrollment in app/portalCustomer can register alias without contacting support Explicit consent captured at enrollmentConsent for alias directory publication recorded with timestamp Self-service de-registration availableCustomer can remove alias from directory without friction Alias update on account change automatedDirectory auto-updated when account number/sort code changes

Directory Lookup & Name Verification

Lookup latency < 500ms (P95)Directory query response within real-time payment SLA Name matching algorithm implementedFuzzy name match (not exact) to reduce false negatives Match result displayed to payer before confirmation'Match', 'Close Match', 'No Match', 'Unable to Check' presented Non-match warning and friction stepPayer must actively proceed past a non-match — not default continue Lookup result audit trail retainedMatch result logged per transaction for dispute purposes (min. 6 years) Graceful fallback when directory unavailablePayment can proceed with user warning if directory is down

Misdirected Payment Recovery

Misdirected payment recovery procedure documentedWritten procedure for requesting return of mis-sent funds Recovery timeframe defined (max 20 days per PSR)UK PSR: recipient has 20 business days to return before escalation Customer notification within 24 hours of misdirectionPayer informed promptly when recovery request is initiated Fraud escalation path for non-return casesFormal path to fraud/legal team if recipient refuses return

Privacy & GDPR / Local Data Law

DPIA completed for alias directory processingData Protection Impact Assessment covers alias data as personal data Alias data retention policy definedAlias data deleted within defined period of de-registration SAR process covers alias dataSubject Access Requests can return alias registration records Lookup query logging minimised / anonymisedQueries to directory do not create linkable records of payer intent

Alias/Proxy Payment Directory Readiness Assessor