Accelitas brings its innovative fintech solutions to ACH commerce, enlisting patented Bank Data technology to optimize transactions, reduce fraud, streamline workflows, and lower your cost of doing business.
See what a difference next level Bank Account Validation makes.
Fintech leaders team up to enlist real-time data, unsurpassed bank coverage, and proprietary analytics to deliver next-level Bank Account Validation services
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OLA partners with Accelitas to provide innovative solutions for improving the lives of those at financial risk during the evolving COVID-19 pandemic
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As a Preferred Partner, Accelitas joins a select group of innovators that Nacha recognizes for offering products and services that advance core strategies of the ACH Network
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Accelitas and Equifax team up to improve prediction and conversion rates through consumer insight and custom optimization
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COMPREHENSIVE COVERAGE
Ai Validate BD instantly validates 90%+ of U.S. bank accounts, significantly reducing the most common Nacha return codes (R03 and R04). This real-time, comprehensive coverage ensures fewer payment disruptions, minimizing customer frustration and operational inefficiencies, and directly addressing critical pain points identified by Nacha.
SUPERIOR ROI WITH TARGETED OPTIMIZATION
By strategically targeting and eliminating common ACH return codes, Ai Validate BD optimizes your resources, reducing both hard costs (manual corrections and transaction fees) and soft costs (customer dissatisfaction and lost opportunities).
ENHANCED CUSTOMER EXPERIENCE
Ai Validate BD leverages predictive analytics and ML-driven scoring to deliver rapid account validation within your existing workflow. By streamlining onboarding and checkout processes, you enhance customer experience, minimize transaction drop-off, and support consumer choice, safeguarding revenue and customer loyalty.
VALIDATE OWNERSHIP, NOT JUST EXISTENCE
Ai Validate AOV leverages alternative data and ML-driven scoring to confirm bank account ownership in real time—no bank login credentials required. By preventing identity fraud and reducing manual reviews, it streamlines onboarding and payments, lowers abandonment, and supports compliant, inclusive growth across near-prime and underserved customers.
A pioneer in predictive analytics and alternative data, Accelitas offers proven solutions that help businesses make smarter decisions at the speed of now.
Now we’re redefining Bank Account Validation. Through proprietary technology developed by Accelitas data scientists, Ai Validate BD automatically identifies and filters out non-working routing and account number combinations, eliminating these anomalies at the beginning of the validation process and dramatically reducing downstream costs. With Ai Validate AOV, organizations can validate ownership—not merely existence—helping expand access while managing risk.
Whether it’s ACH onboarding, pre-payment screening, pre/post-consortium checks, pre–Micro-Challenge Deposit (MCD), or a non-credentialed alternative to OLB, we deliver unmatched coverage and a comprehensive set of solutions across use cases and verticals.
See how it works in these Bank Account Validation Use Cases.
In today’s financial market, access is everything. Taking advantage of real-time transactional data and unsurpassed account coverage, Accelitas empowers businesses to make faster, fairer, and more informed decisions by providing cutting-edge API based services in lead screening, credit prediction, and account validation.
We deliver these advanced validation and credit risk services on Accelerated Insight®, our secure, cloud-based, SOC2-compliant platform.
Pre-qualify leads to identify value and reduce underwriting costs
Access the millions of creditworthy borrowers that traditional scoring models miss
Instantly scores 90%+ of U.S. bank accounts
How bank account validation is making a real-time shift to meet higher demand, increasing risk, stricter compliance, and greater opportunity
Our Instant & Secure Bank Account Validation and Verification service is protected under U.S. Patent No. 11,758,052. Additional patent(s) pending, including U.S. Patent Application No. 12,250,345.
This patented process ensures accurate, secure, and efficient bank account validation to support seamless digital transactions. For more details, please visit our product page.
