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02/19/2021

Account Validation Resource Center

Now available for originators of WEB debits

Nacha





The Supplementing Fraud Detection Standards for WEB Debits rule (effective March 19, 2021) is neutral regarding specific methods or technologies used to validate first-use consumer account information. Possibilities include:

  • An ACH prenotification
  • ACH micro-transaction verification
  • Commercially available validation service

Merchants and Billers that use WEB Debits (consumer debit payments authorized or initiated over an online channel) may have existing capabilities that support the use of ACH Prenotification Entries and/or ACH micro-transactions to validate first-use consumer account numbers as required under the rule. Organizations may wish to contact their financial institution(s) or payment software vendors in consideration of validation solutions. The below list provides some of the third-party vendors that offer account validation services, either independent or in conjunction with ACH payment services.

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