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Payment Authentication
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.
Capabilities
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.
Benefits
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.
Solutions
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
Confirms that the bank account belongs to the payer or payee, reducing payment fraud caused by identity mismatches
Validate & Validate+
Checks routing numbers, account status, and other risk signals to prevent invalid or failing ACH transactions.
Solutions that deliver real results
$195B+
in annual payments
175K
worldwide merchants
260M
transactions processed annually
25+
years of experience
Industries
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.
Awards
Recognized for excellence
Security
Compliance that scales with your business
When you work with us, you’re working with a fully audited, secure, and compliant partner. From PCI to broader data privacy, we safeguard your payments and sensitive information wherever you're doing 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.
