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Validation Services

Validate bank accounts, individuals, and businesses across multiple data sources
  • Validate new payee details and identify errors at enrollment
  • Mitigate the risk of fund re-direction to unauthorized users
  • Verify the identity of users, vendors, and suppliers before making a payment
  • Provide security with data encryption during transit

The Validation Services API is currently available in the United States, covering validation of customers based in the United States and many additional countries globally.

How Account Validation Services works

Capabilities

Validation Services helps prevent payment fraud and mitigates risk throughout the payments and onboarding lifecycle.

Account Validation

Routes bank account validation requests as needed across multiple data sources until a positive/negative match is found or the data sources are exhausted.

Entity Validation

Verifies individual and business-identifying information from various data sources, providing summary results customized to your business's defined risk criteria.

Benefits

Enhance your payment security and risk management with our validation services, offering the following key benefits:

  • Leverage a global network: Expand your data provider options through J.P. Morgan’s extensive global network.
  • Enjoy flexible offerings: Access a wide range of services tailored to your needs, without restrictions.
  • Simplify integration: Reduce integration points across geographies and data providers with single-point APIs, minimizing coding efforts.
  • Boost operational efficiency: Pre-establish decision criteria to streamline straight-through processing.
  • Secure data: J.P. Morgan’s secure platform is designed to maintain data integrity, protection, and encryption. Standard protocols include non-retention of personal information (PI) or personally identifiable information (PII), with only non-PII transaction details retained for audit, reporting, or analysis if required.
  • Benefit from flexible design: Utilize multiple connection protocols interchangeably to suit your operational needs.

Direct API integration

For a real-time experience, integrate your payments platform with our full set of APIs.

Batch validation

Easily validate up to 2,000 records for bulk load using a CSV file.

J.P. Morgan Access®

Validate customers individually or in bulk through the J.P. Morgan Access® UI.

How Validation Services works

How it works

How to

Verify a bank account

Verify a bank account against J.P. Morgan and third-party sources.

Request an Account Confidence Score

Request an Account Confidence Score (ACS) that provides an indicator of the likelihood of fraud on a beneficiary account. 

Verify an identity

Verify an individual against J.P. Morgan and third-party sources.

Verify a business entity

Verify a business and up to five authorized representatives associated with a business in a single request.

Next steps

Getting started

Complete the onboarding process to ensure you have everything that you need.

Account Validation

Learn more about our Account Validation services.