VeriPay AI

Instant Bank Account Validation. Compliant. Reliable. Secure.

Meet Nacha's WEB debit rule requirements while reducing fraud and improving customer experience.

Comply with Nacha's WEB debit rule
0.08% ACH Fraud Rate (Lowest Among Payment Types)
Instant vs. 2–6 Day Legacy Methods
10,000+ Member Banks Covered
Validate Accounts Now

Free trial • No setup fees • Cancel anytime

0.08%
ACH Fraud Rate
<2s
Validation Time
15%
Transaction Growth
10,000+
Banks Covered
Enterprise Security
PCI DSS Compliant • SOC 2 Type II • GDPR Ready

Why Bank Account Validation Matters

With new regulations and growing fraud, instant account validation is no longer optional—it's essential for compliance and security.

Nacha Compliance

Meet the 2021 WEB debit account validation rule requirements with our compliant validation solution.

Instant Validation

Validate bank accounts in real-time instead of waiting 2-6 days with traditional micro-deposit methods.

Fraud Prevention

Achieve the industry's lowest fraud rate at just 0.08% for ACH transactions with proper validation.

10,000+ Banks Supported

Comprehensive coverage of member banks affected by Nacha regulations, ensuring broad compatibility.

Growing Adoption

Join the 15% growth trend in internet-initiated transactions with secure, compliant validation.

Account Ownership Verification

Verify that customers actually own the bank accounts they're attempting to use for transactions.

Nacha WEB Debit Rule Compliance

Stay compliant with industry regulations while improving your payment processing

Account Validation Required

Nacha now requires account validation for WEB debit transactions to reduce fraud and returns.

Instant vs Legacy Methods

Replace slow micro-deposit validation (2-6 days) with instant verification (under 2 seconds).

Fraud Rate Reduction

Achieve the lowest fraud rate in payments at just 0.08% for properly validated ACH transactions.

Validation Stats

0.08%
ACH Fraud Rate with Validation
15%
Growth in Internet-Initiated Transactions
10,000+
Member Banks Affected by Rules

Instant vs Traditional Validation

See why businesses are switching from micro-deposits to instant validation

Traditional Micro-Deposits

2-6 day validation time
Customer friction and drop-off
Manual verification required
Higher fraud risk

VeriPay AI Instant Validation

Under 2 second validation
Seamless customer experience
Fully automated process
0.08% fraud rate

Simple API Integration

Get started with bank account validation in minutes

// Validate bank account instantly
const validation = await veripay.accounts.validate({
routingNumber: "021000021",
accountNumber: "1234567890",
accountType: "checking"
});
if (validation.isValid) {
// Account is valid and compliant
processPayment(validation.accountInfo);
}

Transparent Pricing

Current pricing structure for bank account validation

Bank Account Validation Pricing
Choose the pricing model that works best for your business
TypeDiscount RatePer TransactionFlat FeeCapStatus
standard rate-$0.50--Inactive
✓ Volume pricing available for high-volume merchants
✓ No monthly minimums or setup fees
✓ Free compliance consultation included
✓ 99.9% uptime SLA guarantee

Stay Compliant and Reduce Fraud

Join thousands of businesses meeting Nacha requirements with instant bank account validation.

Enterprise Security
24/7 Support
99.9% Uptime