PAYMENT ENABLEMENT

Secure, real-time account verification for faster, more secure payments

Power frictionless payment experiences  with secure, reliable data. Our secure, permissioned APIs enable account verification for payments by connecting directly to financial institutions. 

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. 

Verify user information for payment initiation

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. 

Verify your users

How it works

PAYMENT ENABLEMENT

Underlying products

Balances icon

Balances

Enable your users to access balances for bank accounts, credit cards, loans, investments, and more.

Customers icon

Customers

Access verified contact information on file at your users' financial institutions. 

Payments icon

Payments

Empower your users to make ACH payments and Real-Time Payments (RTP) with the necessary identifiers.

PAYMENT ENABLEMENT

Integrating with Akoya

Grant code icon

100% permissioned APIs

Akoya powers account verification for payments through secure, permissioned APIs that protect user credentials and maintain compliance.
HDI icon

Seamless developer experience

Our developer-friendly platform simplifies the integration process, making it easy to add account verification to enhance your existing payment flows.
Easy integration icon

Easy integration

Connect once to Akoya and access verified account data from thousands of financial institutions without the need for multiple connections.
Consent icon

Reliable data

Rely on accurate, real-time financial data to validate accounts instantly, reduce risk, and power faster, more secure payments.

Featured resources

Featured

The open finance API stack: Securely access financial data with Akoya

As fintech apps continue to reshape how consumers manage and invest their money, access to high-quality,..
Case study

How DecisionLogic uses Akoya to fuel real-time credit insights and scalable growth

DecisionLogic is redefining how lenders evaluate creditworthiness. As a pioneer in real-time bank account..
Open Finance

Why transparency, trust, and APIs win

For banks and credit unions of all sizes, open finance, when strategically implemented, creates a tremendous..
Open Finance

Why APIs are the growth engine fintechs can’t afford to ignore

As innovation continues to accelerate, a key driver is quietly reshaping how fintechs operate: API-based data..
Webinars

Future-proof your open finance strategy

It’s time all consumers know what data they’re sharing, and with whom, across every financial institution and not..
Open Finance

How to build for growth and inclusion

In today’s financial landscape, open finance is no longer a future concept; it’s a present-day imperative. The..
Webinars

Driving fintech growth with smarter data access strategies

As the industry moves beyond legacy methods like screen scraping and OFX, API-based connections have become the..
Open Finance

Open finance without a mandate: a strategic business case

The recent uncertainty around the timeline of CFPB’s 1033 Rule has left many financial institutions questioning..

Get started with your payment enablement use cases

Explore Akoya’s self-service sandbox to see how secure, permissioned APIs can simplify account verification for payments. Set up a free account to test with sample data, then move to production and power faster, more trusted payments.