Validate Bank Accounts with Higher Coverage and Confidence

Validate consumer and business bank accounts, confirm ownership, detect fraud, and assess risk across more accounts with industry-leading coverage and deeper, more accurate data.

What ValidiFI Offers

One Platform for Bank Account and Payment Intelligence

Actionable insights available via API for onboarding new customers, validating bank accounts for payouts, preventing identity and ACH fraud, or meeting Nacha web debit rule requirements. Everything we offer is built for speed, accuracy, and trust.

Account Validation

Validate 22% more bank account and routing numbers than the leading incumbent provider, leveraging proprietary and third-party data sources including J.P. Morgan Payments and Early Warning

Fraud Detection

Requests with a high frequency of change between a consumer and their PII had a 130% increase in likelihood of fraud. Identify invalid contact information like email, phone, and physical address as well as suspicious behaviors

Account Authentication

Authenticate 34% more consumer accounts so you can confirm a user has current authorized access to an account instantly

Credit Risk

Accounts with a recent NSF (R01) return are 36% more likely to have another NSF on their next transaction. Assess ability to pay based on inquiries, payment behavior and payment performance leveraging our FCRA score

AI Pattern Matching

Validate 96-98% of bank account status, powered by dynamic pattern matching for higher match rates to reduce no hits and manual reviews

Cash Flow Analytics

Utilize a cash flow insights report for a more holistic view of consumer financial behavior including inflows, outflows, and affordability

Financial Institution

Analyze financial institution risk in real-time to enhance decision-making

Compliance
Account Validation
Fraud Detection
Account Authentication
Credit Risk
AI Pattern Matching
Cash Flow Analytics
Financial Institution

OMNI Platform

Predictive bank account and payment intelligence

Account Validation

Validate bank accounts and reveal critical insights on account stability, payment performance, and returns

Fraud Detection

Identify invalid contact information like email, phone, and physical address as well as suspicious behaviors

Account Authentication

Authenticate a user has current authorized access to an account instantly by leveraging our real-time microdeposit solution

Credit Risk

Assess ability to pay based on inquiries, payment behavior, and payment performance leveraging our FCRA-compliant score

Credentialed Data

Connect to cash flow insights for more informed underwriting decisions using our intuitive login solution

Cash Flow Analytics

Utilize a cash flow insights report for a more holistic view of consumer financial behavior including inflows, outflows, and affordability

Financial Institution

Analyze financial institution risk in real-time to enhance decision-making

What ValidiFI Offers

ValidiFI® Data Network by the numbers

Powered by predictive intelligence for bank accounts and payments, our platform delivers real-time insights and analytics with exceptional accuracy and confidence, and is continuously growing.

Unique Bank Accounts
1 M+
Unique Consumers
1 M+
Payment Records
1 M+
Inquiries
1 B+

Use cases

A variety of industries including automotive, financial services, real estate, insurance, and payments, collaborate with ValidiFI to enhance efficiency, security, and confidence.

Account Validation

Validate bank accounts with a Nacha preferred provider for all types of use cases.

Fraud Detection

Detect fraud and confirm contact information like bank account, phone number, and email address are correct.

Credit Risk

Score consumers more accurately leveraging payment, velocity, and tradeline attributes.

WHY CHOOSE VALIDIFI

Harnessing connections for actionable data insights

ValidiFI analyzes the connections between bank accounts, consumer identity elements, and payment performance to help you make smarter decisions - before you onboard, lend, or transact.

Ensure confidence, trust, and transparency in every transaction

Ready to get started with our predictive bank account and payment intelligence solutions? Contact us.