Verify bank account ownership with confidence
Confirm payer identity and bank account ownership in real time to reduce ACH fraud, prevent returns, and process payments with greater confidence.
Real-time bank account owner verification
Authenticate validates that a bank account belongs to the intended payer or payee, helping you reduce fraud, avoid failed transactions, and meet ACH compliance requirements.
Built to verify, protect, and scale ACH payments
Authenticate confirms bank account ownership using trusted data sources, helping businesses verify ACH B2B and B2C transactions before processing, without adding friction.
Confirm account ownership in real time
Verifies payer name and bank account alignment before processing ACH payouts.
Supports both consumer and business bank accounts.
Reduces fraud caused by mismatched or misused bank account details.
Helps prevent returned payments and downstream operational costs.
Lower fraud and error exposure
Flags high-risk or inconsistent account ownership signals early.
Minimizes losses from bad actors and simple data entry errors.
Strengthens payment confidence without slowing checkout.
Support ACH and WEB debit compliance
Supports compliance with Nacha WEB debit verification requirements.
Provides real-time responses to guide payment decisions.
Complements CSG Validate and Validate+ solutions.
Authentication for safer transactions
Reduce ACH fraud
Authenticate helps ensure payments go to legitimate account holders, reducing fraud risk before payouts are submitted.
Fewer payment returns
By confirming account ownership up front, you avoid costly returns caused by mismatched or invalid bank details.
Process with confidence
Real-time verification results help teams confidently approve, route, or stop payments before issues occur.
Part of a complete verification strategy
Authenticate works on its own or alongside CSG account validation solutions to create a layered approach to ACH payment verification.
Authenticate
Validate & Validate+
Flexible deployment
Solutions that deliver real results
Purpose-built for your business needs
Authenticate supports organizations that rely on ACH payments and need to verify payer or payee identity without disrupting the customer experience.
Recognized for excellence
Fintech Breakthrough Awards: Payment Enablement Platform of the Year, 2026
CSG Forte's Payment Enablement Platform of the Year award validates our leadership in delivering faster, more reliable payment solutions.
Forrester Included in for The Merchant Payment Providers Landscape, Q4 2025, 2025
CSG Forte's inclusion in Forrester's Merchant Payment Providers Landscape confirms our competitive position in the payments industry.
QKS Spark Matrix: Merchant Payment Provider, Q4, 2025
CSG Forte named Strong Contender for Merchant Payment Provider
2024 PayTech Award
Top Innovation in Payments
Juniper Future Digital Awards: Omnichannel Payments Platform
CSG Forte awarded Omnichannel Payments Platform at the 2024 Juniper Future Digital Awards
Juniper Future Digital Awards: Recurring Payment Platform of the Year
CSG Forte awarded Recurring Payment Innovation at the 2024 Juniper Future Digital Awards
Compliance that scales with your business
When you work with us, you’re working with a fully audited, secure, and compliant partner. From PCI compliance to broader data privacy, we safeguard your payments and sensitive information wherever you do business.
Ready to authenticate ACH account ownership?
Successfully complete more valid ACH transactions with a powerful authentication solution built to protect your business. Contact our team to learn more.