Real-time, non-credentialed bank account verification for safe, secure, ACH transactions
A comprehensive account validation solution is critical to comply with Nacha regulations, deliver a fast frictionless customer experience and limit payment issues or returns. ValidiFI’s bank account validation solutions allows you to automatically verify bank accounts in real-time by only providing the routing and account number for use cases such as:
Mitigate high ACH return rates and ensure you are meeting Nacha’s 15% threshold
Validate a bank account is open, active and ACH capable in real-time prior to making an ACH transaction
Reduce and mitigate potential fraud risks quickly
Using the bank account and routing number, we validate details against our proprietary database network and return if the account is valid, open and ACH capable
We confirm an account is open, valid and ACH capable plus return additional valuable insights into account stability, transaction patterns and more.
Microdeposit solution that processes in 15-seconds unlike the traditional micro-deposit process that can take 3-4 days to go through. Validate an account is open, active and ACH capable while confirming if a user has access.
Account login solution that texts or emails a user a 4-digit code to verify their account. This confirms an account is valid, active, ach capable as well as verify’s a user has access and in addition, can unlock access to transactional cash-flow insights for better decision making.
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