Search Icon
close
✖
    PAYMENT ENABLEMENT

    Seamless payments with Akoya’s secure APIs

    Validate account information via secure APIs to authorize account-to-account payments. 

    Try our APIs
    Contact sales

    Verify user information for payment initiation 

    Enable users accounts for seamless fund deposits or withdrawals via automated clearing house (ACH) or real-time payments (RTP). Akoya supports the tokenization of account and routing numbers through The Clearing House’s Secure Token Exchange to facilitate funds transfers. 

    Verify user information for payment initiation

    How it works

    Authorized connection

    A user wants to connect a checking account at their financial institution to pay with a new payment app.​ The app provides an institution selection screen to allow the user to select their financial institution.

    The app then captures consent to receive access to the checking account before redirecting the user back to their financial institution to log in.
    A user wants to connect a checking account at their financial institution to pay with a new payment app.​ The app provides an institution selection screen to allow the user to select their financial institution.

    The app then captures consent to receive access to the checking account before redirecting the user back to their financial institution to log in.

    Secure authentication

    Permissioned data provided

    PAYMENT ENABLEMENT

    Underlying products

    Balances icon

    Balances

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

    Learn more
    Customers icon

    Customers

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

    Learn more
    Payments icon

    Payments

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

    Learn more
    PAYMENT ENABLEMENT

    Integrating with Akoya

    See all use cases
    Grant code icon

    100% permissioned
    APIs

    HDI icon

    Seamless
    developer experience

    Easy integration icon

    Easy
    integration

    Consent icon

    Reliable
    data

    Featured resources

    Featured

    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

    Open finance is not optional — 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

    Empowering consumers everywhere - 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 stragies

    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..
    Webinars

    Lessons learned architecting open finance for growth and inclusion

    Drawing from their extensive implementation experience across financial institutions of all sizes, our speakers..
    View all resources

    Get started

    Explore our self-service sandbox for developers. Set-up a free account to access test data and move to production when you’re ready. 

    Sign up
    Read API docs