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Learn how to use our Account Intelligence tool to validate bank accounts before allowing them to transact for the first time—de-risking to speed up ACH payments. If you’re setting up your full ACH payments system with us, please refer to our comprehensive ACH Setup Guide. This documentation is intended for standalone adoption of our Account Intelligence tool into an existing ACH payments system.

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Account Intelligence Overview

Our ACH API provides this tool for customers to validate the legitimacy of a bank account and assess its operability for successful ACH payments before processing transactions.

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Benefits of this API

  • Prevention of Failed Transactions – Avoid processing payments to invalid accounts.
  • Reduction of Operational Risk – Minimize issues such as failed payouts and ACH returns.
  • Improved Onboarding Decisions – Use risk scoring to evaluate new bank accounts.

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Risk Factors in ACH Payments

ACH payments can fail for many reasons—from user error and unknown account holds to intentional fraud.

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Failed Payments and Return Codes

Account Intelligence is designed to minimize failed payments caused by these common NACHA return codes:

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Initial Setup

To begin using Account Intelligence, you’ll need:
  • Sandbox API keys
  • Test account information
  • issued certs (if required)

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Integration

Our Account Intelligence only requires two input parameters:
  • account_number
  • routing_number
In return, you receive:
  • risk_score – A generated numeric risk assessment
  • confidence_level – Our assessment of the validity of the account data
The confidence level is not a measure of the risk score’s accuracy. It is a standalone value that reflects our confidence in the bank account data itself.

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Risk Score vs Confidence Level

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Monitor Statuses (Relevant Webhooks)

(Coming soon — include webhook names, payloads, and sample logic for response handling)

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Testing

(Coming soon — include sandbox examples and test values to simulate various confidence/risk responses)