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Payment Verification Services

Payment Verification Services

Sophisticated payment account verification and risk assessment tools so you can validate all your payments with confidence. Don’t just trust it, Verify it.


Card Verify

Card Verify is more than just a verification tool; it’s a comprehensive low-cost solution that transforms the way you assess risk, fund loans, and serve your borrowers.

Card Verify Product Brief

Comprehensive Data Aggregation

Card Verify provides a single, comprehensive response within seconds, consolidating essential information such as AVS, BIN, issuer, and enhanced card details that would otherwise require integrating with multiple services.

Proactive Card Identification

Easily identify and filter out cards you do not accept, such as credit cards or certain prepaid card types.

Instant Card Funding Eligibility Verification

With Card Verify, you can instantly verify eligible debit cards for loan funding, ensuring a seamless and convenient experience for your borrowers.

Additional Due Diligence

Card Verify provides valuable data points to complement your existing due diligence and validate a borrower’s card as a funding or repayment instrument. Matching address (AVS) information and flagging lost/stolen cards at the time of the API call helps reduce risk


Bank Account Verification

Creating peace of mind for you and your business. Identify ineffective accounts and instantly validate consumer bank account information while reducing potential fraud and non-sufficient funds right from the start with Bank Account Evaluation by Payliance.


VeriTrac® Product Brief

Reduce Processing Costs

  • Validate consumer bank account information to lower return risk across all your payment channels.
  • Enables merchants to validate multiple characteristics of a bank account prior to presenting a transaction for processing
  • Provides a risk indicator to identify whether there is a heightened probability that the transaction will return based on the account’s history
  • Reduces potential fraud and higher return rates before they can impact your business.

Integrated into Payment Solutions

  • Integrated into your payment flow to automatically process transactions that receive a low risk indicator and stop transactions that are flagged as higher risk.

Bank Account Evaluation advantages

  • Reduce Return & Admin Rates on Automated Clearing House (ACH) processing
  • Reduce Nonsufficient Funds (NSF) fees
  • Eliminate the lead time required by ACH Prenotification validation
  • Validate consumer bank information at time of enrollment
  • Helps to meet Nacha compliance requirements

Online Full-Service Merchant Portal with Cloud-based Reporting

  • Stay on top of your business with online, real-time reporting capabilities via our merchant portal


Integrated Authentication

Securing your investment. Payliance delivers industry specific, multi-layered authentication features reducing fraud and costly unauthorized transactions.

Upfront validation checks that are built into the payment flow

Receive acceptance responses that are quick and reliable

Reduced processing costs by stopping bad payments before they occur with Return Blocker

Wide verification network where every transaction is run through proprietary and national databases to identify ineffective accounts.

Industry specific features to monitor geolocation compliance requirements of lenders


Check Verification and Guarantee

Using a point of sale (“POS”) terminal or an integrated POS system, Payliance can review and underwrite check payments in real time reducing or eliminating any bad check expense and provide peace of mind in accepting checks. Your sales associate enters the customer’s driver’s license information into the point-of-sale credit card terminal and/or slides the check through a check reader to capture the bank account data. In less than one second, Payliance authorizes the check from its database of millions of records, accessing both local and national negative files of unpaid checks. Payliance has access to over 70% of all U.S. bank accounts in this process to significantly reduce any risk associated with accepting the check as payment!. Payliance offers this product as a verification only where the merchant assumes risk of any returned item, or fully guaranteed where Payliance assumes 100% of the liability if the item is returned. The set-up process is quick and easy with the full support of Payliance technical support team assisting in the process.

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