Detect fraudulent bank accounts instantly
Expose hidden fraud patterns through flagged suspicious behaviors, high‑risk identity elements, and anomalous account information
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As ACH volumes rise and real-time payments become the norm, transaction complexity is increasing—along with fraud risk. In this fast-moving environment, a strong, adaptive fraud prevention solution is no longer optional; it’s essential.
vFraud® is ValidiFI’s multi‑layer fraud detection solution designed to expose suspicious behaviors, high‑risk identity elements, and anomalous account patterns that traditional account validation or static identity tools routinely miss.
By analyzing 200+ proprietary signals across identity, contact information, bank account behavior, and network‑level activity, vFraud delivers a deeper, more predictive understanding of fraud risk, in real time.
Evaluate bank account and routing data for:
- Length of time the account has been established
- Suspicious activity patterns
- Recent transaction behavior
- Indicators associated with return‑risk or misuse
vFraud®
Evaluate consumer application inputs against ValidiFI’s proprietary and partner fraud data networks to uncover hidden fraud indicators, frequent changes to contact information, and analyze historical changes and behavioral relationships.
vFraud reveals:
- Frequent consumer–PII changes drive a 130% increase in fraud risk
- Applications with invalid email addresses show a 210% increase in fraud
- Unmatched last names are associated with a 36% increase in fraud rates
- Consumers who use prepaid phones have a 17.5% higher risk of fraud
The value for your business
Increase Confidence in Transactions
Prevent ACH fraud, unauthorized transactions, and manipulations of bank account details
Reduce Financial Losses & Operational Overhead
Flag suspicious applications in real time to reduce chargebacks, ACH return losses, and manual review burden
Non-Permissioned and Low Friction
Designed to improve fraud detection without adding customer friction or requiring bank credentials
Related resources
Related products
vAccount™ Suite
Pair with vFraud for critical layers of protection. Together, they deliver a powerful, end-to-end solution for verifying account legitimacy and detecting risk before it impacts your business.
vIndex™
Assess the risk of a financial institution based on performance within ValidiFI’s data network.
vCredit®
Assess ability to pay based on inquiries, payment behavior, and payment performance leveraging our alternative FCRA-compliant score.
Frequently asked questions
vFraud® combines identity, payment behavior, bank account stability, network velocity, and PII analysis to create a far more accurate fraud risk profile.
vFraud® leverages proprietary and partner insights from within ValidiFI’s data network to perform various fraud checks to validate customer contact inputs like phone number and email addresses. This offers increased confidence in what your customer is providing is legitimate and accurate to help detect and reduce fraudulent attacks.
vFraud® can help detect fraud instantly by assessing suspicious indicators related to consumer, bank accounts or payments. Most common types include first-party fraud, third-party fraud, synthetic fraud, and new account fraud.
Clients using vFraud® see significant reductions in fraud‑related payment losses and improvements in overall account‑quality metrics. Ideal for:
- Fraud screening at onboarding
- Loan applications (prime, near‑prime, subprime)
- BNPL and point‑of‑sale financing
- Insurance onboarding
- Account changes / payment method updates
- High‑risk disbursement workflows
- Lead scoring & waterfall routing decisions
Yes, all customers are required to report their performance data as we are a give-to-get data model. By doing this, all customers gain tremendous value from accessing a much larger database of information than they would without data contribution across the network.
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