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.

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Account Details

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Account Owner

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Payment success indicator icon

Payment Success

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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.

Account Owner

Need instant account owner verification 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.

Name and bank account owner verification - mitigate fraud risk & payment failures
Account balance and ACH verification - cleared balance and available balance


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

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 account validation, balance check


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


Real-time data access for the highest accuracy

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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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payment API for instant bank account verification payment routing account owner verification

Payment APIs

Check out our payment APIs for instant bank account opening, payment routing, account owner verification. Get started and test our APIs or view our documentation at Mastercard Developers.

More Resources

Six fundamentals to get started with ACH

See us in action and get started with our data today

Balance insights for money movements

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