Overview
The Account Intelligence v3 endpoint is part of GrailPay’s real-time bank account validation system. It allows you to determine whether a user’s bank account is valid, active, and safe to use - helping you reduce fraud, prevent returns, and accelerate decision-making. With a single API call, the endpoint returns aconfidence_score
along with detailed decisioning_insights
based on
the identity and bank account data you provide. These insights can be used to drive onboarding, funding, and payout
workflows with higher accuracy and lower risk.
When constructing your request, you’ll pass an identity
object that contains either an individual
or an
organization
. These two are mutually exclusive: the request will fail if both are included. Use organization
for
validating business entities and individual
for people.
While the only required fields are account and routing numbers, we strongly recommend providing as much identity data
as possible. More complete input data results in more meaningful confidence scores and more actionable insights.
This API is only available for U.S. bank accounts.
Actions
By default, every call to this endpoint performs core validation checks on the routing and account numbers. To enrich the results further, you can optionally include anactions
object in your request to enable additional validation
layers.
Currently, the following action is supported:
name_match
: Compares the provided name in the identity object with the account holder’s name on file.
Usage Recommendations
- Always pass complete and accurate identity data to maximize result quality.
- Use the
confidence_score
anddecisioning_insights
to guide onboarding and risk workflows. - Review fields such as
name_match
,valid_routing_number
, andnegative_transactions_seen
closely when the score is low. - Display insights to users (where appropriate) or use them in your internal logic to block or flag high-risk activity.