Real-Time ACH Verification
Accept more payments.
Reduce costly returns.
ACH Verifi combines our Verification Database with banking, retail, and billing sources
to predict the status of any bank account — in real time, before you submit.
Verification Result
just now
✓
Low Risk
Account active · history verified
!
Warning
Check account history
Why ACH Verifi
The fastest-growing ACH verification service in the industry
A shared-service platform where participants improve accuracy together — delivering real-time
insight into the alternative finance space. We target unauthorized and administrative return codes,
helping you accept more payments while reducing costly “fatal” returns.
📊
650M+ Accounts Tracked
Over 650 million consumer and business checking account records constantly updated across our network.
⚠
Flag High-Risk Accounts
Identify closed, frozen, or negative-balance accounts before you submit the debit.
📅
Predictive Return Codes
Predict administrative returns before they occur — save fees and keep your processor happy.
👤
Name & Account Match
Confirm the name associated with the bank account — essential for Know-Your-Customer compliance.
🛡
Optional OFAC Check
Bundle OFAC sanctions screening into every authorized transaction — no extra integration.
⚡
Thin-File Visibility
Information on millions of under-banked consumers other networks can’t see.
Who Benefits
Built for anyone moving money over ACH
From processors to recurring billers — if you touch the ACH network, ACH Verifi fits in.
🏦
ACH Processors
Financial institutions and third-party billers of all sizes.
🔁
Recurring Billers
Fitness clubs, cable TV, subscriptions, and membership fees.
🛍️
Retailers
Online stores and brick-and-mortar retailers accepting eCheck.
💼
Lenders & Finance
Finance companies and lenders verifying borrower accounts.
📞
Collections
Collection and debt-buying companies reducing NSF costs.
💸
Money Service Providers
MSPs moving funds and verifying customer account status.
What You Get Back
Every verification returns the data you need to decide
Built for decisions at the point of sale, loan origination, or batch submission —
real-time and structured.
📜
Account History
Complete account history on every transaction verified.
👤
Name & Phone Match
Name and phone number matched against the account on file.
🎯
Risk Decision Codes
Real-time Low Risk / High Risk codes with detailed status.
🔖
Microbilt Reference
Application number reference for every Microbilt inquiry.
🛡
One Transaction, Two Solutions
Add an OFAC check to every verification
Financial institutions, third-party payment providers, and money service providers often need
to check the Treasury Department’s Office of Foreign Assets Control list on every
transaction. Adding OFAC to your ACH Verifi workflow requires no code changes on your end.
Contact us to enable →
Get Started
Ready to verify smarter?
Sign in to your existing account, or get in touch — we’ll have you running verifications
in under a day.
ACH Verifi
Real-time ACH verification for processors, lenders, billers, and retailers.
Accept more. Return less.
© 2026 ACH Verifi. All rights reserved.
