Account Intelligence provides instant validation and risk assessment for U.S. bank account and routing number combinations. Before initiating payments or onboarding a new entity, you can query the API to receive a:

  • Risk Score – A floating-point value between 0 and 1 that quantifies the likelihood of a successful funds transfer using the specified account. A score closer to 0 indicates high risk, while a score closer to 1 suggests low risk and higher confidence in account integrity.
  • Confidence Level – A measure of our certainty in the validity of the provided account and routing number. A higher confidence level indicates stronger validation and assurance that the account details are correct.

This module is ideal for customer onboarding, payout setup, and ACH authorization flows.

This API is only available for U.S. bank accounts.

A Risk Score of -0.1 means that we were unable to obtain any information about the account. This is not an error, but indicates that the account could be new, not widely used, doesn’t exist at all, or there is an issue with the account and/or routing number provided.

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Endpoint

POST v2/verify-account-routing

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Request Body

{
  "account_number": "123456789",
  "routing_number": "987654321"
}
FieldsTypeIs RequiredDescription
account_numberstringYesThe bank account number to be validated.
routing_numberstringYesThe bank routing number to be validated.

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Response

Sucess ( 200 )
{
  "status": true,
  "message": null,
  "data": {
    "risk_score": 0.85,
    "confidence_level": "Very High"
  }
}

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Errors & Warnings

Error ( 406 )
{
  "status": false,
  "message": "Invalid account number",
  "data": null
}
Error ( 429 ) )
{
  "status": false,
  "message": "Rate Limit Exceeded",
  "data": null
}