Finicity is part of the Mastercard family. Our open banking platform provides the financial data you need.

Pay confidently

Instantly verify the account details, account owners and balances needed to enable accurate, confident payments.

Our real-time snapshots of account data mitigate fraud risk, reduce payment failures and fees, enable onboarding, maintain compliance and help you move money with confidence through instant bank account verification.

Account Details

Account Owner

Balances

Payment Success
Indicator

Payment Routing Optimizer

ACH account verification - routing number, account number, and more

Account Details

We provide the deposit account number and routing information needed to enable money movement for new account onboarding, funding and payments with real-time, accurate information for bank details verification.

Name and bank account owner verification - mitigate fraud risk & payment failures

Account Owner

Need to verify the account owner in order to mitigate the risk of fraud or payment failure? A one-time request returns bank-certified account owner names and address for a select account in real time. Short and sweet.

Account balance and ACH verification - cleared balance and available balance

Balances

A simple account balance check that smooths the pre-funding path, protecting consumers and merchants alike from failed payments and potential fees.

Payment success indicator - composite score, account balance, weighted reasons, 10-day indicators

Payment Success Indicator

Leverage Open Banking data to analyze a consumer’s historical payments behavior such as spending, deposits, balance and ACH returns. Payment Success Indicator comes in form of a score and various other indicators that evaluate the likelihood of a payment being successful now and up to 10 days in the future.

Payment routing optimizer - routing method, processing date, payment success indicator scoring

Payment Routing Optimizer

Interprets the score provided by Payment Success Indicator and considers other inputs across cost, speed and risk for various payment methods available to debit a consumer’s bank account. Payment Routing Optimizer recommends the most optimal day for processing a payment as well as the most optimal payment method.

All the best data, every time

Consumer-permissioned and straight from the source

Instant

Instant account validation, balance check

Coverage

Coverage of thousands of FIs through our best-in-class connections

Real-time

Real-time data access for the highest accuracy

Quickly verify important details and move on to what matters

Our focus and coverage in the mortgage industry has enhanced our ability to provide better, more accurate data for any lending decision.

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More Resources


Six fundamentals to get started with ACH


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Balance insights for money movements

Certain open banking solutions are provided by Finicity, a Mastercard company.