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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

Expanded card verification. Payliance Card verify is a proprietary, real-time service that provides visibility into the most relevant information pertaining to individual credit, debit, and prepaid debit cards. By utilizing multiple data points this single step process sources accurate, enhanced card data within seconds, and can be leveraged in both online and offline decision-making processes alike.

Expanded card data insights delivered in real-time

  • Real-time API based service goes beyond standard card Address Validation Service (AVS) response data
  • Provides greater insight into card make-up and likely acceptance
  • Helps minimize chargebacks
  • Low-cost alternative to other risk validation services on the market
  • Use for both payment processing and other operational workflows

Simple, secure API Integration – PCI-DSS Level 1 Certified

  • Servers hosted in Standards for Attestation Engagements (SSAE16) certified facilities.
  • Threat monitoring and intrusion detection managed 24/7 by the security operations center
  • iframe plug-in option available to reduce your organization’s PCI scope
  • Sandbox environment for developer testing


  • Replace sensitive card data with a unique identifier that can be stored and reused
  • Lower your costs by reducing the overhead associated with PCI compliance
  • Increased security by tokenizing data rendering unusable if ever compromised on your system

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


Bank Account Evaluation

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

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