This endpoint can be used to perform either

• ACH verification to confirm the bank account is valid and belongs to the consumer
• ACH authentication to verify the consumer's identity and ensure he or she is authorized to use the account.

ACH Verification

To verify a bank account is valid, pass the following parameters into the request:

• ach_aba_pii
• ach_account_pii

If successful, the response will include a verification_response and an account_response_code combination that indicates the level of risk. For more information on these combinations, see ACH Verification Services.

ACH Authentication

To authenticate the consumer's identity and ensure he or she is authorized to use the provided bank account, pass one or more of the following parameters:

• billing_name
• billing_phone
• street
• city
• state
• postal_code
• ssn_last4_pii
• dob_pii

Your PayNearMe Technical Account Manager can set up which settings you want to use to authenticate the consumer's identity (e.g., do you want to check the full address or just the ZIP code?). If successful, the response will include a verification_response, an account_response_code, and a customer_response_code combination that indicates whether or not the consumer was authenticated. For more information on these combinations, see ACH Verification Services.