The Green Sheet Online Edition
November 9, 2026 • 26:11:01
Look beyond account validation to assess payment risk
Confirming that a bank account exists and is open answers only part of the risk question surrounding a payment. ValidiFI, which provides alternative data and predictive analytics for payments and lending organizations, said its new Compass offering combines account validation with identity, ownership, fraud and payment-risk signals to help organizations determine what should happen next.
Available now through a single API, Compass provides access to information selected for a customer's use case and configured workflow. The offering is designed to give payments and lending organizations a connected view of account and payment risk without requiring them to interpret hundreds of individual attributes across separate systems, the company noted.
Connect the signals
Depending on the application and input data, Compass can return account status and history, identity and ownership matches, contact-information risk, prior account relationships, velocity patterns and known fraud activity. Dynamic routing directs inquiries to the appropriate validation and intelligence sources based on the information available and the customer's workflow.
The distinction between validation and broader risk assessment is central to the product, ValidiFI pointed out. An account may be usable for a transaction while questions remain about whether it belongs to the person presenting it or carries indicators of suspicious activity or elevated payment risk.
"Organizations have been forced to evaluate transactions through disconnected signals, separate solutions, separate workflows, and separate decisions," said John Gordon, chief executive officer of ValidiFI.
"We've learned that's not enough. Organizations need a connected view of risk."
Configure decisions around customer needs
Built on ValidiFI's bank account and payment intelligence network, Compass incorporates signals involving velocity, stability, recency and behavioral patterns. The company works with customers to identify a decision they want to improve, establish a measurable baseline and evaluate relevant signals against historical outcomes.
Configurations can reflect the customer's use case, risk tolerance and demonstrated value, and apply resulting intelligence within their own policies and workflows. ValidiFI said evaluating these signals together can help reduce fraud, improve payment success rates, accelerate approvals and improve customer experiences.
Results vary by customer and application. Prospective customers can contact the company through validifi.com to discuss Compass. 
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