Empower consumers to make Automated Clearing House (ACH) payments and Real-Time Payments (RTP) with the necessary identifiers.

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Instant verification and tokenized payments

With Akoya, users can instantly verify their accounts and authorize account-to-account payments, without the need to make micro-deposits.

Akoya will utilize tokenized payment credentials through The Clearing House. This means that random digits are used in place of the actual account numbers, so customer bank account and routing numbers are never transmitted along with a payment.

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Akoya’s Payments product

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Applicable use cases


Account opening

Enable instant account verification for new account openings without micro-deposits.

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Payment enablement

Validate account information to authorize account-to-account payments.

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