Prevent ACH Payout Fraud with AOA
Real-time account ownership verification to block unauthorized disbursements and strengthens outbound ACH controls.
THE RISK
Outbound ACH Credits Are a Fraud Target
Organizations sending ACH credits face increasing exposure to:
- Beneficiary account change fraud
- Business email compromise
- Impersonation of vendors, claimants, or customers
- Unauthorized account substitutions before payout
Once funds are sent to the wrong account, recovery is difficult. Strong controls must exist before release.
THE CONTROL
Real-Time Account Ownership Verification
Lyons confirms whether the recipient is authorized to transact on the bank account before an ACH credit is initiated.
You can:
- Validate ownership before funds move
- Flag discrepancies in real time
- Block unauthorized disbursements
- Strengthen outbound payment controls without slowing operations
Fraud prevention becomes automated in your payout workflow.
HOW IT WORKS
Simple Integration. Immediate Protection.
- Account and name details are submitted through a secure API.
- Ownership is validated in real time.
- Payments proceed only after confirmation.
No prenotes. No microdeposits. No operational drag.
AHC Payment Ops
- Insurance carriers and MGAs
- Financial services and fintech platforms
- Banks and credit unions
- Software and marketplace platforms
- Real estate and mortgage firms
- Any organization disbursing funds via ACH
If you send ACH payments, verify ownership before funds move.
Strengthen Your ACH Fraud Controls
Add real-time account ownership verification to your outbound payment process and prevent unauthorized disbursements before funds leave the bank.