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‹Bank Data

Bank Account Verification

Confirm a bank account is usable and owned by the right party, in the US and worldwide, without asking anyone to log in to their bank.

Start using PayOS, pay per use. No sales call required.

Know Your Account before every payment.

The bank knows whether the account is open and who owns it. You only see the digits someone typed. PayOS compares the two, field by field, and tells you where they diverge.

At the account bank
What the bank holds
Status, owner and reachability of record
FIRST NATIONAL
Checking account
⫨ 021000021 ⫨8842 ⫩
The account in question
Person at the form
The details given
What the payer actually typed in
FieldAt the bankProvided
Account holderAlex RiveraAlex Rivera
Account number•••• 8842•••• 8842
Routing number021000021021000021
Account statusOpenAssumed open
Account typeCheckingSavings
Real-time reachRTP + FedNowNot checked
Ownership matchName on accountNickname only
Five fields match, two do not. You decide whether to challenge, hold or pay, before the money leaves.

Confirm the account before money moves.

Submit an account and PayOS confirms it is real, owned by the right person, ready for instant rails, and low-risk, all before you move a dollar.

Meridian Federal Bank
Checking account
No. 0921
Pay to the order of-
⦉ 021000021 ⦉⦉ 4↔ 000123456789
Green
Amber
Red
The account is real and open
Confirmed active and able to receive money, no bank login needed.
The right person owns it
The account holder matches the customer you expect.
Instant rails are ready
See if the account can take real-time payouts before you send.
The destination is low-risk
A pre-payment signal flags risky accounts before money moves.

Instant verification. No bank login required.

Routing and account number is all it takes: PayOS verifies the account and the owner in one call, a Plaid-grade experience with zero credentials. Micro-deposits exist only as a fallback challenge.

Step 1: Enter Account
9:41
Add External Account
ACCOUNT HOLDER NAME
John Smith
Name pre-populated from bank records
ROUTING NUMBER
021000021
ACCOUNT NUMBER
•••••1111
Verify Account
Secured by PayOS
PayOS verifies account + name
Result A: Verified Instantly
9:41
Verification Complete
Account Verified
Bank Account Verified
Bank Ownership Verified
Continue to Payment
Secured by PayOS
Result B: Fallback Challenge
9:41
Confirm Micro-Deposits
Two small deposits sent. Check your statement and enter the amounts.
FIRST DEPOSIT AMOUNT
$ 0. _ _
SECOND DEPOSIT AMOUNT
$ 0. _ _
Confirm Amounts
Secured by PayOS

The US and worldwide, from one integration.

Verify domestic accounts across US rails and international accounts via IBAN or the local format each market uses, all through the same call.

ReachUS rails and global marketsNo bank login required

Verify the account before the money moves.

The same check slots into payouts, onboarding, recurring billing and risk review.

Pay out to the right account
Confirm the destination before ACH, RTP or wire, so funds never bounce.
Set up recurring debits
Validate an account once at signup and debit it with confidence.
Offer instant transfers
Check real-time rail eligibility before promising an instant payout.
Screen risky destinations
Catch mule and high-risk accounts before money leaves your platform.

Protect funds before you send.

One account check, four ways it protects your money.

Stop ACH returns
No more "account closed" or "no account" reversals after you have paid.
Release funds faster
Auto-approve verified accounts instead of holding every payout for review.
Lose less to fraud
Block risky destinations before money leaves, not after.
Smoother onboarding
No micro-deposit wait or bank login, so customers finish signup.