SOLUTIONS

Our solutions for your success

Increase efficiency, reduce costs, and enhance customer experience

HOW WE HELP

The Value for your Business

Account Opening / Onboarding

Validate bank accounts in real-time for a seamless customer experience

Payments & Disbursements

Ensure smooth ACH transactions with a Nacha preferred partner

Underwriting Decisions

Make more accurate credit decisions and reach more consumers for portfolio growth

BANK ACCOUNT VALIDATION

For everyday transactions, organizations may need a non-credentialed low friction solution to quickly verify consumers and accounts before onboarding or making a deposit into an account.

For higher risk, high dollar transactions, organizations may want to carefully insert friction into the process, have a consumer login to their account or verify account access through a microdeposit for added confidence. ValidiFI has flexible solutions to meet any need.

BANK ACCOUNT VALIDATION

For everyday transactions, organizations may need a non-credentialed low friction solution to quickly verify consumers and accounts before onboarding or making a deposit into an account.

For higher risk, high dollar transactions, organizations may want to carefully insert friction into the process, have a consumer login to their account or verify account access through a microdeposit for added confidence. ValidiFI has flexible solutions to meet any need.

CREDIT RISK

When assessing credit risk, financial institutions, banks, and lenders need to make informed decisions about lending money, setting interest rates, and determining credit limits. By leveraging bank account and payment data for every stage of the lending lifecycle, lenders can be more precise and provide a seamless customer experience.

HOW TO ACCESS

Omni Platform

All of our account validation and credit risk solutions are available via our one api platform:

Explore products

vIndex

Identify High and Low-Risk Financial Institutions​.

vAccount

Standard bank account validation for Nacha WEB debit compliance, ensuring secure ACH transactions.

vAccount +

Enhanced bank account validation solution that reveals additional insights and increased coverage.

vFraud

Detect fraud by identifying invalid, high-frequency change or suspicious application or contact information.​

vCredit

Score consumers more precisely for a more accurate assessment of ability to pay, risk, and the likelihood of defaults.​

vAuth

Authenticate consumer access to a bank account with real-time microdeposits.

vConnect

Intuitive login interface to unlock verified validation and cash-flow underwriting.

vInsights

Unlock cash-flow underwriting to help you make better decisions​.

vIdentify

Compliance, KYC, and Sanctions checks.


Related resources

Product Sheet: vAccount

Download our vAccount product sheet to learn more about our bank account validation solution. Verifying or validating a bank account is crucial, especially for small transactions and to ensure Nacha...

Why Is Account Verification Important?

With identity theft continually on the rise, bank account verification is becoming a critical asset for organizations and financial institutions alike. Bank account verification authenticates and...

Account Validation: A guide to Web Debit Compliance

Account verification is required for maintaining compliance with Nacha’s WEB Debit Rule. ValidiFI developed a guide on the various methods of account validation to help ensure you meet these...
FAQS & ANSWERS

Frequently asked questions

Non-credentialed means not requiring consumer credentials or permissions. A non-credentialed solution requires no consumer action, providing a seamless experience.

For instance, in the case of bank account validation, it allows real-time verification without any input from the consumer. This benefits organizations by streamlining the onboarding process, ensuring confident transactions, and quickly detecting fraud.

A credentialed solution is one that requires consumer credentials or permissions. In the case of a bank account validation solution, this requires the consumer to provide their bank account login in the form of username and password or bank account and routing numbers. 

 

Credentialed solutions ensure that only authorized users can access certain information or perform specific actions, enhancing security and accuracy in processes like account access, transactions, and data retrieval.

Yes, all customers are required to report their performance data as we are a give-to-get data model. By doing this, all customers gain tremendous value from accessing a much larger database of information than they would without data contribution across the network.

Ready to Get Started?

Contact us

Ready to Get Started?

Contact us