Account Details
Account Owner
Balances
Payment Success
Indicator
Payment Routing Optimizer
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.
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 Owner plus identity insights
By leveraging Mastercard’s identity engine, you can gain insights on the validity of authorized users. Onboard more customers with higher confidence and lower friction while reducing account opening fraud by making linkages between name, address, email and phone.
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
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
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.
Next-gen B2B ACH payments
Leverage Mastercard’s open banking payment data, analytics and score solutions designed specifically for small to medium-sized business (SMB) service providers. We’re transforming account-to-account payment services with accurate, user-permissioned, real-time insights.
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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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.