Bank Data confirms whether a bank account is usable, owned by the right party, and low risk, in a single call. No bank login, no username or password, across US payment rails and countries worldwide.
Account verification stops loss at payment setup, before money ever moves through ACH debit rails. Here is where the value shows up.
No bank credentials, no OAuth redirect, no third-party login screen. Your user enters their account and name once, and PayOS verifies ownership instantly, right inside your own flow.
Account verification, ownership match and confidence scoring are rail-agnostic, they work across ACH, RTP and wires. Real-time reach and Request for Payment eligibility depend on the instant-payment network, which Routing Number Lookup reveals per institution.