Bank Account Verification
Verify before you pull. Cut returns by 70%.
Real-time bank account validation before you initiate ACH. Catches typos, closed accounts, and fraud attempts before they become returns.
Verification result
Account ending ••4421
Wells Fargo · Checking
routing 121000248
Signals checked
Account exists
Routing + account number valid
Account is open
Active and accepting ACH
Owner name match
Matches the customer record
Risk indicators
No NSF history in 90 days
Identity verified
Plaid Link · 1.2s
Account validation in real time
Confirm the routing and account number are valid and the bank is reachable before the ACH ever leaves your dashboard. Catches typos and closed accounts at submission.
Account ownership match
Match the account holder name against the customer record. Cuts identity-mismatch fraud at the source.
Risk and balance signals
See account type and risk indicators before you pull. Decide whether to proceed, hold, or decline based on a real signal, not a guess.
Bring your own Plaid token
Already have a Plaid integration? Pass the Plaid token directly to ACHQ and we use it to authorize the ACH. No extra integration on your side, no double-charging your Plaid bill.
Plaid integration
Already using Plaid? Send us the token.
ACHQ accepts Plaid tokens directly. If you've already integrated Plaid for bank linking, ID verification, or balance checks, pass that token to ACHQ and we'll use it to authorize the transfer. No double integration, no duplicate Plaid charges.
Don't have Plaid yet? We're a Plaid partner and refer customers directly to Plaid for setup. Once you have a token, ACHQ slots in seamlessly.
ACHQ is a Plaid partner and does not resell Plaid services. Plaid pricing, limits, and terms come directly from Plaid.
Token-based flow
- 1Customer links their bank in your Plaid flow
- 2Plaid issues a processor token
- 3You pass the token to ACHQ
- 4ACHQ initiates ACH against the verified account
Move money cheaper, faster, and with fewer headaches.
Apply for an ACHQ merchant account. Most applications approved in one business day.