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Visa Open Banking Solutions

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
 
 
Visa Open Banking Solutions

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.

Visa Open Banking Solutions

Bank-Level Security. Visa Trust.

We built the Lynx Open Banking Solutions on the principles of:
  • Consent-driven, secure data sharing
  • Enterprise-level security and advanced fraud prevention
  • Compliance with financial industry standards 
You get the power of open banking backed by one of the most trusted names in payments.
Visa Open Banking Solutions

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.

Visa Open Banking Solutions

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
Visa Open Banking Solutions

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
Account Ownership Verification - Lyons Commercial Data

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

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.

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.

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.

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.

Our developer-friendly platform features a unified API, SDKs, and precise documentation, enabling seamless integration in days or weeks, not months.

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.

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.

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.