## Product tiers

### Account Intelligence

_Available in the United States_ 🇺🇸  
_
+ 30 international markets_ 🌍

**Standard account validation**

- Confirm if a bank account exists and is open for transactions.
- Validate availability using `availabilityScore` results.
- Verify ownership by matching consumer or business details.
- Support for ACH, deposits, withdrawals, and recurring payments.
- Works for both consumer and business accounts.

### Account Intelligence Premier

_Available in the United States_ 🇺🇸

**Everything in Account Intelligence _PLUS_**

- Deeper account-level insights powered by premium data sources.
- Enhanced availability and ownership scoring for higher confidence.
- Broader coverage across financial institutions.
- Greater resilience against fraud, duplicate accounts, and misuse.
- Optimized for high-stakes payment flows and onboarding.

### Which tier is right for you?

- Choose **Account Intelligence** for fast, reliable validation of account existence and availability.
- Choose **Account Intelligence Premier** when you need enhanced coverage, deeper ownership insights, and higher confidence powered by premium data sources.

## Industries it fits

- **Financial services**: Account funding, ACH and RTP payments, CIP/KYC onboarding
- **Lending & BNPL**: Bank account verification before loan disbursement or repayment
- **Gaming**: Payment method validation and duplicate account prevention
- **Government & benefits**: Prevent multiple claims tied to the same account
- **E-commerce & subscriptions**: Validate accounts before renewals or recurring billing
- **Payments & wallets**: Merchant and consumer account linking
- **Plus** other regulated and commercial payment flows requiring account validation

## Business and operational outcomes

### 1. For compliance and risk teams

- Reduce ACH returns and payment disputes with proactive account validation
- Prevent fraud from closed, frozen, or misused accounts
- Ownership checks align with CIP and KYC compliance standards
- Enhanced scoring and risk codes support transparent decisioning
- Coverage expansion through consortium data and premium sources (Premier)

### 2. For growth and onboarding teams

- **Frictionless account linking**: Enable quick funding and withdrawals with minimal delays
- **Higher success rates**: Reduce failures by confirming account status before transactions
- **One payments layer**: A single API to check availability and ownership for consumer and business accounts
- **Support for multiple use cases**: From digital wallets to loan repayments and BNPL flows

### 3. For support and operations

- **Fewer escalations**: Verified accounts reduce payment failures and customer complaints
- **Clear decision signals**: Agents see availability and ownership scores with supporting codes
- **Operational efficiency**: Automated checks reduce manual reviews and support costs

## Performance considerations

- **Fast responses**: Sub-second availability checks for U.S. production workloads
- **Always available**: 99.99%+ uptime with resilient infrastructure
- **Built for scale**: Supports millions of account validations per day in real time
- **Adaptive scoring**: Statistical models improve accuracy while minimizing false positives

## Boundary conditions

- **Market coverage**: Account Intelligence supports U.S. bank accounts plus 30 international markets. Account Intelligence Premier is currently limited to U.S. bank accounts
- **Signal dependency**: Ownership verification is strongest when SSN, EIN, or additional PII is provided
- **Premier advantage**: Standard coverage may not capture all institutions; Premier adds deeper data sets for broader reach
- **Score thresholds**: Customers should tune availability and ownership scores to match their specific risk tolerance

Updated 22 days ago