Comply with Nacha and KYC Standards Effortlessly
Streamline your operations with ValidiFI’s robust tools for Nacha compliance and KYC/Identity Verification
In today’s regulatory environment, compliance with the National Automated Clearing House Association (Nacha) Web Debit Rule and upcoming 2026 Fraud Monitoring Rule, as well as Know Your Customer (KYC) standards is essential for businesses handling electronic payments. ValidiFI provides solutions that simplify compliance, reduce risks, and enhance the customer experience. Whether you’re a financial institution (FI), payment processor, or service provider, our tools are designed to meet your unique needs.
ValidiFI’s solutions enable businesses to comply with Nacha’s Web Debit Rule as well as upcoming rule changes for 2026 by automating account validation and fraud prevention measures
- Navigating complex Nacha rules for electronic payments
- Ensuring proper authorization and account verification for ACH transactions
- Mitigating fraud risks in internet-initiated entries (WEB debits)
ValidiFI offers comprehensive KYC/Identity Verification tools that ensure accurate and efficient customer validation. Our solutions integrate seamlessly into your workflows, enabling compliance with evolving regulations while prioritizing user experience
- Verifying customer identities without adding friction to the onboarding process
- Maintaining compliance with anti-money laundering (AML) and KYC regulations
- Managing data securely while adhering to privacy standards
Built for compliance and peace of mind
- Real-Time Account Verification - Verify bank account ownership and status instantly
- Risk Management Tools - Detect fraud and mitigate risks in internet-initiated transactions
- Seamless Integration - Easily incorporate compliance tools into your existing workflows
- Comprehensive Identity Checks - Cross-reference identity data with authoritative sources
The value for your business
Ensure compliance with Nacha’s ACH operating rules
Reduce unauthorized returns and chargebacks
Protect against fraud with real-time risk assessment tools
Verify identities and bank accounts quickly and accurately
Faster verification in real-time
Related resources
Related solutions
vAccount®
Verifies bank account and ownership in real-time with authoritative data sources
vFraud®
Identifies high-risk or potentially fraudulent accounts, helping businesses comply with regulatory requirements around fraud prevention.
vAuth®
Provides secure account authentication, which is critical for KYC processes to confirm the identity of customers during onboarding.
vConnect®
Delivers real-time financial data, assisting with KYC compliance by verifying customer financial details and account legitimacy.
Frequently asked questions
Our tools automate account validation and fraud prevention, helping businesses meet Nacha’s standards efficiently.
Yes, our solutions are designed for seamless integration with your workflows and systems.
Nacha is implementing the 2026 WEB debit rule change as part of a broader Risk Management package aimed at reducing the incidence of successful fraud attempts and improving the recovery of funds after frauds have occurred. These rule amendments focus on enhancing fraud monitoring by Originators, Third-Party Service Providers, Third-Party Senders, and ODFIs.
The 2026 Nacha rule places a heightened focus on monitoring transaction-level information to detect potentially fraudulent activities. This shift emphasizes the need for continuous monitoring and advanced fraud detection—not just at the point of account validation, but throughout the ongoing relationship with the customer.
ValidiFI’s vAccount+ Verify with AOA and vAccount+ Business—solutions that tap into some of the best data in the market and our network to help detect misalignment between individuals and account owner authentication.
ValidiFI’s vFraud helps uncover hidden fraud risks throughout the ongoing lifecycle of
customer transactions for a proactive, dynamic approach to fraud detection and transaction monitoring.
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