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

payment enablement

Instant validation. Instant experiences.

The better way to move money is here. Build streamlined experiences and cut risk with real-time data and smart insights. It’s money movement for the digital consumer—and a channel for your innovative drive.

Customers using our solutions

SWBC logo
Pentadata logo
Repay logo

Pay confidently

Payment facilitators need to mitigate risk, remain compliant with Nacha rules and deliver convenient, trusted experiences. Time-consuming alternatives like microdeposits or pre-notifications only hinder the payment experience.

Not anymore. Say hello to instant account validation.

Payment enablement illustration - credit card and secure lock image

Solutions for credit-decisioning, loan funding and loan servicing.

Account icon

Secure Account Opening & Funding

Loan servicing icon

Loan Servicing

ACH icon

Direct ACH Payments (P2M)

Verification icon

Account Verification (KYC)

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Recurring Payments Setup

Key benefits

With instant account validation, modern money movers can mitigate risk and facilitate payment experiences that unlock the potential of financial data to empower clients.

  1. We are a preferred partner of Nacha and satisfy Nacha’s WEB Debit Rule ensuring reliable ACH payments.
  2. No more wondering if an account has changed. Our
    real-time validation delivers the most up-to-date and accurate data.
  3. Balance check helps with payment success and avoiding fees.
  4. Where micro-deposits and pre notifications could take days, our solutions can verify accounts in seconds.
Consumer interacting with mobile device - key benefits of payment enablement and account validation

Finicity Connect

Seamless user experience

Consumers easily permission data from their bank accounts with our Connect product. We do the rest, delivering the financial data you need to enhance your customer’s new financial experience.

Mortgage API - borrower income, assets, and employment verification

Payment API for account validation,  payment integration, and payment enablement

Payment API for ACH validation and payment enablement

Check out our payment enablement APIs for integrating payment platforms and account data into your payment process. Get started and test our APIs or view our documentation at Mastercard Developers.

More Resources

Learn more about our Pay solutions

Discover the many use cases for payment enablement

Request a demo to experience the next generation of payments

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