Bank Account Validation Service

Instantly validate bank accounts from 15000+ financial institutions in the U.S. and Canada.

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Mitigate Fraud and Stay Compliant with Nacha’s Web Debit Rules

As the consumer demand for faster payments continues to grow and organizations move more digital transactions to real-time, fraud is a growing issue. Upcoming Nacha rule changes—requiring originators of WEB debit entries to use a “commercially reasonable fraudulent transaction detection system”—are meant to protect against fraud and offer new layers of protection for businesses and consumers.

Orbipay Instant Bank Account Validation services simplifies the real-time bank account validation process. Instant Account Validation provides customers with the seamless digital experience they have come to expect, and you get to accurately confirm their account ownership and financial information to safeguard against risk.

Bank Account Validation

Bank Account Validation

  • Validation of ABA routing number, account number, and account structure
  • Matching of customer name against the name on the account
Account Identification

Account Identification

  • Account status such as open and active, or closed accounts at point of transaction
  • High-risk accounts
  • Accounts that are currently returning transactions
Risk Management

Risk Management

  • Analysis of transaction data from financial databases (ACH and e-check verification data of over 1.8 billion records)
  • Predictive analysis and risk scoring
  • Flexible rule-based framework for decision-making
Open APIs

Open APIs

  • Easily integrate account validation services into existing workflows
Use Cases

Use Cases

  • New account opening and funding
  • Account-to-account transfers
  • ACH enrollment
  • Digital disbursements
  • Bill payments
Benefits

Benefits

  • Reduce fraud and risk
  • Stay compliant with regulatory requirements
  • Deliver outstanding experience to customers
  • Integrate accounts seamlessly
Instant bank account validation services are a vital part of Alacriti’s commitment to provide digital payment services that help companies achieve greater operational efficiencies while managing risk and cutting costs.
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