Verify and connect accounts with confidence
Deliver a seamless payment experience with secure, real-time account verification for payments. Akoya allows you to confirm account ownership and status directly with financial institutions, reducing fraud, preventing errors, and eliminating the need for micro-deposits or manual checks. With permissioned access to verified data, your users can initiate ACH, RTP, and other digital payments quickly, safely, and without disruption.
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Enhance payment security with tokenization
After an account is verified, Akoya enables secure payment tokenization to protect sensitive account details in every transaction. Instead of sharing actual account numbers, unique encrypted tokens are created and used to authorize payments, reducing exposure to fraud, and maintaining compliance with security standards. This approach ensures payment data remains protected end-to-end while allowing users to make faster, more trusted digital payments.
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Underlying products
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Balances
Enable your users to access balances for bank accounts, credit cards, loans, investments, and more.
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Customers
Access verified contact information on file at your users' financial institutions.
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Payments
Empower your users to make ACH payments and Real-Time Payments (RTP) with the necessary identifiers.
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100% permissioned APIs
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Seamless developer experience
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Easy integration
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Reliable data