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.


TrueACH screens ACH transactions in real time to stop fraudulent debits and account-drain attempts.


Verifies bank account status and ownership in real time for payments and account funding.



Open banking data API providing account information, transaction data, and insights across European and global financial institutions.



Plaid Identity verifies account ownership with name, email, phone, and address data.


Dwolla Standard ACH moves US bank payments over the ACH network through a documented API with sandbox and webhooks.

TrueACH screens ACH transactions in real time to stop fraudulent debits and account-drain attempts.

Verifies bank account status and ownership in real time for payments and account funding.

US bank-debit payment service letting businesses accept account-to-account ACH payments at lower cost than card acceptance.


GoCardless ACH Pull automatically collects payments from customer bank accounts over the ACH network for US merchants.



Fintech-grade omni-channel account opening (in-branch/mobile/desktop/call center) from first click to funded in minutes, with 400+ risk checks and self-service config.




Flinks Connect links customer bank accounts to apps, returning account details, balances, and transactions from over 15,000 institutions.
Open-banking bank-linking product that connects and verifies customer bank accounts and returns permissioned financial data through one integration.

Open banking data API providing account information, transaction data, and insights across European and global financial institutions.

Plaid Auth verifies bank account ownership and enables instant micro-deposits.

Plaid Identity verifies account ownership with name, email, phone, and address data.

Dwolla Standard ACH moves US bank payments over the ACH network through a documented API with sandbox and webhooks.

US bank-debit payment service letting businesses accept account-to-account ACH payments at lower cost than card acceptance.

GoCardless ACH Pull automatically collects payments from customer bank accounts over the ACH network for US merchants.

Plaid Balance returns real-time account balance data.

Fintech-grade omni-channel account opening (in-branch/mobile/desktop/call center) from first click to funded in minutes, with 400+ risk checks and self-service config.

Plaid Transfer initiates ACH payments with built-in risk scoring.

AI risk-and-fraud product for pay by bank, combining adaptive models, configurable guardrails, and reputation-based routing.

Flinks Connect links customer bank accounts to apps, returning account details, balances, and transactions from over 15,000 institutions.
