
Lynx Open Banking Solutions
Simplify account verification, accelerate payments, and build user trust—all through a single, secure API. Enabled by Visa.
Instantly Verify Accounts
No More Waiting Days.
Account Check from Lynx Open Banking Solutions enables your users to verify bank account ownership and details in seconds, eliminating manual entry, streamlining onboarding, and reducing errors.
- Real-time account verification
- Over 6,000 U.S. financial institutions supported
- Enhanced identity verification is available

ACH Payment Setup Made Simple
Say goodbye to failed payments and friction. The Lynx open banking platform helps businesses like yours:
- Verify accounts instantly during ACH setup
- Confirm fund availability in real time
- Reduce fraud, errors, and onboarding delays
The result? Higher conversion rates, fewer returns, and a seamless user experience.

Bank-Level Security. Visa Trust.
- Consent-driven, secure data sharing
- Enterprise-level security and advanced fraud prevention
- Compliance with financial industry standards

Combine Open Banking with Existing Services for 95%+ Coverage
With Open Banking, you can now combine our existing Account Status and Account Ownership Verification services for even greater coverage — achieving over 95% coverage when used together. We also give your customers flexibility, offering the option of manual verification, instant verification, or Open Banking, so they can choose the method that works best for them.

Built for Developers. Designed to Scale
Integrate in days, not months.
Our developer-friendly platform features:
- One API for all products
- Robust SDKs and console
- Modular integration to match your flow

Expand Your Data Horizons
Available Products in the U.S.:
- Account Check – Instant account ownership verification
- Balance Check – Real-time funds availability
- Transactions – Consolidated, harmonized transaction data
Use cases include:
- Account funding
- ACH payments
- Payout verification
- Spending insights

Why Lynx Open Banking?
Feature | Lynx Open Banking | Traditional ACH | Other Providers |
---|---|---|---|
Instant Verification | (1-3 days) | ||
Real-Time Balance Check | Limited | ||
Fraud Mitigation | Advanced | Varies | |
Easy API Integration | API + SDK | Manual Input |
Book A Demo With Our Team
Open Banking FAQ
What is Lynx Open Banking Solutions?
Lynx Open Banking Solutions is a platform that enables businesses to access and verify financial account data securely. It allows instant account verification, real-time balance checks, and access to transaction data—all through a single API integration.
How does Account Check work?
Account Check verifies a user’s bank account ownership and details in real time, using direct connections to over 6,000 U.S. financial institutions. This reduces the need for manual entry and speeds up onboarding and ACH setup.
Is the platform secure?
Yes. Security and compliance are foundational to Lynx Open Banking. Our platform uses consent-driven data sharing, bank-grade encryption, and Visa’s trusted infrastructure to ensure privacy and fraud protection.
What types of businesses can use this solution?
Any business that moves money or needs to verify customer bank accounts can benefit—fintechs, payroll providers, marketplaces, lenders, and more. If your workflow involves ACH payments, account funding, or payout verification, this platform is for you.
How long does integration take?
Our developer-friendly platform features a unified API, SDKs, and precise documentation, enabling seamless integration in days or weeks, not months.
What’s the difference between Lynx and other open banking providers?
Unlike most providers, Lynx combines open banking access with its global trust, scale, and security standards. We offer both instant account verification and real-time balance checks, a combination many competitors lack. Plus, we connect to over 95% of U.S. consumer accounts.
What happens if a user doesn’t want to share their bank data?
Users authenticate directly through their bank’s secure login, maintaining complete control and consent. Visa research shows 59% of users prefer this method over manual entry due to its ease and trustworthiness.
Can this reduce payment failures?
Absolutely. Real-time balance checks help confirm funds availability before ACH transactions are initiated, dramatically reducing failed payments and return rates due to insufficient funds.