ACCOUNT VERIFICATION
Verify Accounts to Prevent Returns
Real-Time Verification for Every Account You Pay
An account looks fine until the payment bounces — closed, invalid, or mistyped. By then it’s cost you rework and a return-rate flag with your bank. Lyons verifies it in real time, before you send, and satisfies Nacha’s account validation requirement on the ACH debit side.
No demo. No sales pitch. See it in action.
- Nacha Preferred Partner
- PCI-DSS Certified
- 1,000+ Organizations
- Since 1989
THE PROBLEM
Preventable Returns Are Draining Your ACH Program
Every return means rework, delays, and bank scrutiny. Many are preventable by catching closed accounts, invalid numbers, and mismatches before the file goes out.
Nacha caps returns at 0.5% unauthorized and 3% administrative. Exceed either and you risk fines or losing ACH origination. Account Verification is what Nacha requires on the debit side.
$2–$5
Typical ACH return fee charged by payment processors.
3%
Nacha’s administrative-return rate threshold for ACH debits returned.
R02 · R03 · R04
ACH return codes.
Sources: Nacha ACH Network Risk and Enforcement Topics; GoCardless ACH Fees Guide; Ramp ACH Processing Fees Guide
THE SOLUTION
Direct Verification — Confirmed Before You Send
Lyons Account Verification is a pre-send check, not a monitoring layer — it confirms the account is open and valid before the file goes out.
Submit details
via API
Account and routing number — one request, no special infrastructure, real-time bank-level check instead of cached data.
Verified directly with
the bank
Confirms open, valid, in good standing. Closed accounts, invalid numbers, and mismatches return instantly, before the file is released.
Payment proceeds —
or holds
Confirmed: goes out clean. Flagged: held for review — no return, no rework, no bank scrutiny.
NET OUTCOME
Preventable returns blocked before they happen. Your return rate stays under threshold.
“We got a change request on a verified account. The next three ACH transfers were fraud.”
DIRECTOR OF PAYMENT OPERATIONS ·
INSURANCE CARRRIER
“It runs instantly in the background — no more chasing customers through microdeposits.”
VP OF OPERATIONS · FINTECH PLATFORM
“Our return rate dropped and stayed there.”
HEAD OF TREASURY OPERATIONS · REGIONAL BANK
Trusted Across Every ACH Payment Program
30%+
Average return-rate reduction for clients after integration
1,000+
Organizations rely on iBankRegistry™ daily
35+ yrs
Proprietary, in-house, daily-updated data — not a
third-party reseller
See How Direct Verification Fits Your ACH Flow
See how Account Verification can work within your ACH program, with practical details, not a sales pitch.
WHAT WE'LL COVER
- Real-time account verification via API
- How it supports return reduction and compliance
- Usage-based pricing with no platform fees or long-term contract
Frequently Asked Questions:
ACH Account Account Verification
What is direct account verification?
A real-time, bank-level check via API that confirms an account is open and valid before you send a payment — catching closed accounts, invalid numbers, and mismatches before they become returns.
Which return codes does this prevent?
R02 (Account Closed), R03 (No Account / Unable to Locate), and R04 (Invalid Account Number) — the most common preventable return codes.
What are Nacha's return-rate thresholds?
0.5% for unauthorized returns, 3% for administrative returns. Exceeding either can trigger fines or loss of ACH origination privileges.
Is Account Verification required by Nacha?
Yes — on the ACH debit side. Account Verification is what satisfies Nacha’s compliance requirement for ACH debits. Account Ownership Authentication satisfies it on the credit/disbursement side. You need both to be fully covered.
What is iBankRegistry™?
Our proprietary database powering real-time, direct bank inquiries — live account status, not stale or cached data.
How does this differ from microdeposits?
Microdeposits take 1–3 days and require the customer to check their bank and confirm amounts — high friction, and they only verify a routing path, not live account status. Lyons runs instantly, in the background, against the actual bank record.