Our solutions for your success
Increase efficiency, reduce costs, and enhance customer experience
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
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.
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.
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.
Omni Platform
All of our account validation and credit risk solutions are available via our one api platform:
- Flexible solutions
- Access Hundreds of attributes including inquiry data, payment performance, fraud indicators, account information, and financial institution data
- No monthly minimums or setup fees
Explore products
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.
vConnect
Intuitive login interface to unlock verified validation and cash-flow underwriting.
Related resources
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.
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