Verify bank accounts instantly with our new technology

Our first-of-its-kind tech - built on FedNow and RTP - instantly verifies bank accounts before you initiate payments.

Instant, Accurate, and Efficient Verification. Patent Pending.

Verify bank accounts

100% coverage of all bank accounts

Our new technology is built on RTP and FedNow with a Same Day ACH fallback – guaranteeing coverage of all consumer and business bank accounts in the U.S. 

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Immediately verify Account Status

We validate Account Status instantly – fulfilling Nacha requirements. Our tech determines whether an account is open, valid, and ready to send/receive payments. Unlike traditional microdeposits, we don’t rely on end users, eliminating all customer friction.

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Validate Account Control

As an additional, optional tier of verification, Verify ensures the end user has control of the account – helping combat “friendly fraud” caused by Reg E abuse. Verify drops a random 4-character code into the account and prompts the user to authenticate the code.

The simplest API for fast, reliable payments

The way the world verifies bank accounts is antiquated, slow, and unreliable

Traditional AVS

Constrained by end user credentials and archaic ACH microdeposits
Limited coverage with only 67% of US business accounts
Data is not reliable for today—but based on historical data, batched nightly and fails to reflect intra-day changes

Orum’s Solution: Verify

Instant bank account verification 
via RTP and FedNow with no end-user involvement
100% coverage of all bank accounts
leveraging RTP, FedNow and ACH
Data is instant and reliable 24/7/365
verifying a business account is open and valid in real-time

(Already) Award-Winning

Best Anti-Fraud for Lending
“Verify is a step forward in an industry still plagued by invalid credentials, friction, and fraud.”

– Tearsheet Data Awards