Validates whether a consumer has entered a valid ABA/routing number or card number. Use this endpoint when you want to validate payment method information before collecting additional details (e.g., in an IVR flow).

ACH routing numbers are validated using a table lookup against the Federal Reserve's database of valid routing numbers. Credit and debit cards are validated using the Luhn checksum algorithm. Submit only one of payment_method_ach_aba_pii or payment_method_card_number_pii per request.