ValidiFI

ValidiFI is a specialised platform for bank account scoring and fraud prevention in A2A and ACH payments, built around the vAccount and vAuth products. Founded in 2015, it is based in the United States, with Fort Lauderdale, Florida named alongside its headquarters.

Products The company lists Bank Account Validation, ACH Payment Risk Scoring, Account Ownership Verification and a Fraud Consortium. Before a debit is submitted, a payer can check whether an account exists, who owns it and how risky a payment from it looks, which is aimed at reducing returns and fraud losses on ACH.

Data ValidiFI states that it holds the largest database on the behaviour and reliability of US bank accounts. The scoring therefore rests on account-level history rather than on card or device signals alone.

Clients and pricing Target verticals are PSPs, lending, auto finance, buy now pay later and fintech. Geography is the United States. Access is by API subscription priced by the number of checks, so expected monthly volume is the main input for a quote.