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.
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.
How it works
Authorized connection
Secure authentication
Permissioned data provided
Underlying products
Balances
Enable your users to access balances for bank accounts, credit cards, loans, investments, and more.
Customers
Access verified contact information on file at your users' financial institutions.
Payments
Empower your users to make ACH payments and Real-Time Payments (RTP) with the necessary identifiers.
100% permissioned APIs
Seamless developer experience
Easy integration
Reliable data
Featured resources
The open finance API stack: Securely access financial data with Akoya
How DecisionLogic uses Akoya to fuel real-time credit insights and scalable growth
Why transparency, trust, and APIs win
Why APIs are the growth engine fintechs can’t afford to ignore
Future-proof your open finance strategy
How to build for growth and inclusion
Driving fintech growth with smarter data access strategies
Open finance without a mandate: a strategic business case
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.