ACCOUNT OWNERSHIP AUTHENTICATION
Stop ACH
Payout Fraud
Verify Account Ownership Before Funds Leave Your Bank
A fraudster poses as your vendor and requests new bank details. The next payment goes to them instead — and standard validation won’t catch it, because the account is real. Lyons closes that gap in milliseconds, and covers Nacha’s fraud-monitoring requirement for ACH credits.
No sales pitch. See it in action.
- Nacha Preferred Partner
- PCI-DSS Certified
- 1,000+ Organizations
- Since 1989
THE PROBLEM
Funds Sent to Unauthenticated Accounts
Fraudsters exploit the gap between the last time an account was verified and the moment an ACH credit is sent. It’s the gap Nacha requires you to monitor on the credit side.
Nearly 1 in 3
Financial institutions reported ACH fraud attempts
11%
Financial institutions reported ACH fraud losses
9% Increase
In institutions experiencing attempted ACH fraud
year over year
Source: Federal Reserve Financial Services, 2024 Financial Institution Risk Officer Survey (360+ U.S. financial institutions surveyed)
“We got a change request on a verified account. The next three ACH transfers were fraud.”
DIRECTOR OF PAYMENT OPERATIONS · INSURANCE CARRIER
“The account was valid, open, active — every check we ran passed. It just wasn’t the vendor’s account anymore.”
VP OF COMPLIANCE · REGIONAL FINTECH PLATFORM
“We had 24 hours to claw back $47,000. We got back zero.”
HEAD OF PAYMENT OPERATIONS · MGA
THE SOLUTION
Real-Time Account Ownership Authentication
Lyons AOA is a pre-payment gate, not a monitoring layer — it confirms account ownership before a dollar moves.
Submit details
via API
Account holder name, routing number, account number — one request, no prenotes, no microdeposits, no special infrastructure.
Ownership validated in real time
Checked against a proprietary, daily-updated database — not third-party data. Mismatches, closed accounts, and risk flags return instantly, before
payment queues.
Payment proceeds —
or holds
Confirmed: payment releases on schedule. Mismatch: workflow holds automatically for review — no delays on clean transactions.
NET OUTCOME
Unauthorized disbursements blocked before funds leave. Your workflow stays fast — and you’re covered on Nacha’s credit-side fraud-monitoring requirement.
Trusted Across Every Vertical That Sends ACH Credits
Up to 48%
Fewer ACH returns
after implementing
pre-payment verification
1,000+
Organizations rely on iBankRegistry™ daily, including Fortune 500s and
U.S. government agencies
35+ yrs
Proprietary, in-house, daily-updated data — not a
third-party reseller
See How Ownership Lock Works Inside Your ACH Flow
Tell us about your ACH workflow. A specialist will walk you through how Account Ownership Authentication fits — no pitch, just the details.
YOU WILL SEE
- How Account Ownership Authentication verifies accounts automatically, in real time, via API
- How it fits alongside your existing Account Verification / compliance program
- Usage-based pricing — no platform fees, no long-term contract
Frequently Asked Questions:
ACH Account Ownership Verification
What is ACH account ownership verification?
It confirms the person or entity initiating an ACH credit is the legitimate owner of the destination account, before funds are released. Lyons AOA performs this via secure API in real time — no prenotes, no microdeposits.
What fraud does ownership verification prevent?
It stops fraud where account details have been altered: vendor bank-detail swaps, business email compromise, and impersonation attacks that succeed because the payment system has no way to flag that an account no longer belongs to the intended recipient.
Is Account Ownership Authentication required by Nacha?
Yes — on the credit/disbursement side. AOA is what satisfies Nacha’s compliance requirement for ACH credits. Account Verification satisfies it on the ACH debit side. You need both to be fully covered.
How does Lyons AOA differ from Plaid, Socure, or LexisNexis?
Those are broad platforms where bank verification is one feature among many, often on aggregated third-party data. Lyons AOA is a specialist tool on a proprietary, daily-updated database, with Nacha Preferred Partner status and usage-based pricing built for mid-market teams.
How long does integration take?
Most teams have a test environment running within days and production integration complete within a few weeks, via a standard XML web services API, with direct support throughout.
What's the minimum commitment?
Usage-based pricing, no large platform fees, structured for organizations with $50M+ revenue and 10,000+ bank payments per month. Exact pricing is covered on your call with a specialist.