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Account Validation

Account Validation lets you verify accounts, authenticate account owners, and helps you assess the fraud risk related to personal and business bank accounts.

  • Account Validation Standard lets you verify accounts and authenticate account owners inside the United States. 
  • Global Account Validation lets you verify accounts and authenticate account owners outside the United States.
  • The Account Confidence Score (ACS) is a risk score generated by an AI-based machine learning model that provides an indication of the likelihood of fraud on a beneficiary account.
Disclaimer

Use of ACS is not intended to, and does not, satisfy any regulatory or other requirements for the establishment or maintenance of any sanctions, Anti-Money Laundering (AML), or Know-Your-Customer (KYC) program. Clients using ACS remain subject to and solely responsible for compliance with their own regulatory and sanctions obligations. Use of the service does not constitute a guarantee or assurance that transactions will be processed for counterparties.

Benefits

  • Operational efficiency: Avoid the origination of payments with erroneous data and decrease the likelihood of returned payments. 
  • Micro-deposits: Issue two small micro-deposits to confirm that accounts are active and account owners can access their accounts. 
  • Help with fraud detection: Review potentially high-risk changes to payment instructions received through 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

Verify accounts

Verify accounts

Verify accounts inside and outside the United States. 

Authenticate account owners

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.

Tip
Debit return likely responses are subjected to Fair Credit Reporting Act (FCRA) requirements.

How Account Validation works

How to use Account Validation

Availability

Account Validation is currently available in the following region and country:

Account Validation availability
Regions Country
North America (NA) United States

Account Validation services covers validation of customers based in these countries.

Next steps

Understand the required parameters to verify a United States bank account.