# JPMC-PDP Documentation from https://developer.payments.jpmorgan.com

# Account Validation

Account Validation lets you verify the account status, authenticate the account owner, confirm account access and assess the fraud risk related to personal and business bank accounts.

- Account Validation Standard lets you verify account status and authenticate the account owner of United States accounts.

- Global Account Validation lets you verify account status and authenticate the account owner of accounts in other countries.

- Account Confidence Score (ACS) is a risk score generated by an AI-based machine learning model that indicates the likelihood of fraud on a beneficiary account.

- Microdeposits let you verify account status and confirm account access.

> The use of ACS does not satisfy any regulatory or other requirements for establishing or maintaining sanctions, Anti-Money Laundering (AML), or Know-Your-Customer (KYC) programs. Clients using ACS remain subject to, and are solely responsible for, compliance with their own regulatory and sanctions obligations. The use of the service does not constitute a guarantee or assurance that transactions will be processed for counterparties.
> 

## Benefits

The following are key benefits of using Account Validation to verify accounts and reduce payment-related risks:

- Operational efficiency: Avoid originating payments with erroneous data and reduce the likelihood of returned payments.

- Fraud detection: Review potentially high-risk changes to payment instructions received via non-secured channels, such as email.

- Compliance: Comply with Nacha’s WEB Debit Account Validation Rule, which requires a commercially reasonable validation solution.

## When to use Account Validation

The following list describes when to use Account Validation to verify accounts and safeguard your payment processes:

### Verify accounts status

Verify accounts inside and outside the United States.

### Authenticate account owners

Securely authenticate account owners inside and outside the United States.

### Help prevent payment fraud

Safeguard payment transactions by proactively assessing the risk.

> The Fair Credit Reporting Act (FCRA) applies to debit return likely responses
> 

## Availability

Account Validation is currently available in the following locations:

 
**Account Validation availability**

| Region | Country | Services | 
| --- | --- | --- | 
| North America (NAMR) | United States | - Account Validation Standard - Micro-deposits (ACH and RTP) - Account Confidence Score - Global Account Validation | 
| Europe, Middle East and Africa (EMEA) | Ireland | - Global Account Validation - Micro-deposits (SEPA) | 

Account Validation services cover validation of customers based in [these countries](/docs/fraud-solutions/validation-services/capabilities/account-validation/account-validation-countries).

## Next steps

Understand the required [parameters](/docs/fraud-solutions/validation-services/capabilities/account-validation/account-validation-parameters) to verify a United States bank account.