ValidiFI provides predictive bank account and payment intelligence through its Omni Platform, analyzing the connections between bank accounts, consumers, and payment performance. Its products cover account validation, institution risk, fraud signals, and payment behavior, in both credentialed and non-credentialed forms.

• ValidiFI is the leading provider of predictive bank account and payment intelligence. Leveraging the Omni Platform, ValidiFI empowers organizations and financial institutions with actionable insights to help validate bank accounts, detect fraud, and assess credit risk. By analyzing the intricate connections between bank accounts, consumers, and payment performance, ValidiFI offers a more comprehensive view. ValidiFI serves as a trusted partner, unlocking the power of predictive bank account and payment intelligence through credentialled and non-credentialled solutions, enabling more confident transactions.  

Solutions & product offerings:

• vIndex: Dynamic Financial Institution Identify High and Low-Risk Financial Institutions.

• vAccount: Streamlined Bank Account Validation for Nacha Compliance.

• vAccount Plus: Enhanced Bank Account Validation that reveals critical insights into transaction patterns, account stability, and payment performance to reduce the risk of fraud and payment issues while ensuring compliance.

• vFraud: Detect high-frequency changes in Personally Identifiable Information (PII) and velocity metrics to check for past inquiries. Flag invalid contact details like phone numbers and email addresses, while also identifying any suspicious application or contact information for a more comprehensive fraud assessment.

• vCredit: An FCRA score that provides a more precise prediction of ability to pay, potential future risks, and the likelihood of defaults or payment issues.

• vAuth: Verify a user’s access to a bank account through real-time microdeposits. vAuth can confirm an account is valid within seconds vs the traditional 3-4 day processing time. This solution covers FedNow, RTP, and Same-day ACH payment rails.

• vConnect: Access bank accounts with consumer-permissioned transactional data through our intuitive user interface. By combining vConnect with our vInsights solution, you can unlock categorized and analyzed payload data all within one comprehensive report format, complete with an affordability score.

• vInsights: Unlock cash-flow underwriting to help you make better product placement decisions and improve the customer experience. vInsights performs a deep behavioral analysis of bank transaction history to evaluate risk, ability to pay, ownership, and fraud signals.