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ACH Validation
Making ACH account validation and account ownership verification redirect-free, secure, and portable
Validate consumers’ account information with strong authentication to comply with Nacha’s WEB debit rule without forcing a redirect and additional login.
Solve for ID verification and ACH validation in the same step for 95% of US-based depository accounts in seconds
Secure account authentication
We adhere to industry-standard OAuth2.0 connections for accessing Bank verifications and ACH validation datasets.
Wrap account and routing in a secure, reusable format
Persistently prove account ownership and details without forcing a redirect
Refreshable
ACH credentials, like all other credential types, can be prompted for refresh based on on age of connectivity and other underlying requirements
How it works
Flexible deployment - ACH validation can be added as an extension to document and non-document verification.
Atomic selection - User is prompted to pull in the DDA account(s) of their choosing after a successful OAuth2.0 connection.
Bundle with bank ID - Validation ACH information alongside bank-based ID verification in a single step.
Submit! - A successful authentication binds the ACH information to the credential holder, making it ready to share and reuse in the future.
Collapse identity verification and account funding into a single step
Tap into combined bank-verified ID and ACH data sets in the same session to power social login-style verification with account funding.
No-login, no-redirect reusability
As with other types of verifications, we bind verified information to the user, account, and underlying cryptographic keys, making future verifications easy as a passkey auth and consent.
Unphishable, secure sharing
Information is encrypted end-to-end and can only be accessed by the verified intended recipient. Credential formats ensure information can only be received and evaluated by the intended recpient.
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