ACH account verification service providing instant account validation for payment and lending workflows.
Finicity ACH Account Verification provides instant account validation for ACH payment and lending workflows. The service verifies account ownership, confirms account status, and retrieves routing information without requiring micro-deposits or trial deposits.
Built on Mastercard's open banking infrastructure following its acquisition of Finicity, the service enables real-time account verification that reduces payment failures and accelerates onboarding processes for financial institutions and fintechs.
Adds products that compete with one of Finicity ACH Account Verification’s direct competitors but not with Finicity ACH Account Verification itself. They are shaded, and Linked Through names the direct competitor each one competes with.
| Attribute | Finicity ACH Account Verification | Yodlee Account Verification | Aerosync | Flinks Connect | Plaid Auth | |
|---|---|---|---|---|---|---|
| Linked Through | — | Direct competitor | Yodlee Account Verification | Yodlee Account Verification | Yodlee Account Verification | |
| Provider |  FinicityRaised $71MAcquired |  |  |  |  | |
| Founded | 1999 | 1999 | 2017 | 2016 | 2013 | |
| Sells To | B2B, Financial Institutions, Fintechs, Lenders | Financial Institutions, Fintechs, Lenders, Wealth Management Firms | — | B2B | B2B, Enterprises | |
| Pricing Model | Subscription, Usage-based | Subscription, Usage-based | — | Recurring Subscription | Subscription, Usage-based | |
| Ownership | Subsidiary | Private, Subsidiary | Venture-backed | Private, Subsidiary | Private |
Provider FinicityRaised $71MAcquired
Founded 1999
Sells To B2B, Financial Institutions, Fintechs, Lenders
Pricing Model Subscription, Usage-based
Ownership Subsidiary
Provider
Founded 1999
Sells To Financial Institutions, Fintechs, Lenders, Wealth Management Firms
Pricing Model Subscription, Usage-based
Ownership Private, Subsidiary
Linked Through Yodlee Account Verification
Provider
Founded 2017
Sells To —
Pricing Model —
Ownership Venture-backed
Linked Through Yodlee Account Verification
Provider
Founded 2016
Sells To B2B
Pricing Model Recurring Subscription
Ownership Private, Subsidiary
Linked Through Yodlee Account Verification
Provider
Founded 2013
Sells To B2B, Enterprises
Pricing Model Subscription, Usage-based
Ownership Private
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