Account ValidationValidate an account and its owner with confidenceHelp reduce payment risk by validating account and account-owner information before initiating transactions. The Account Validation API enables partner applications to verify account details in real time using account number, routing number, and ownership information.View APIView guideFeaturesFraud protectionValidate account-owner information for a person or business.Verify account details using account number and routing number.Confirm accounts are open and valid before initiating transactions.Compliance supportIncreased adherence to Nacha guidelines.Real-time validation responseReceive validation results quickly after the request is submitted.Compare submitted account information against available database records.Support smoother workflows without delays, pre-notes, or micro-deposits.WorkflowUse casesConfirm account details before outgoing paymentsCheck account and ownership information before submitting ACH, wire, or real-time payments, especially for first-time, changed, or high-risk payment instructions.Support vendor and payee onboardingVerify banking information during setup before vendor or payee details are stored for future payments.Review bank detail changesConfirm updated banking information when a change request is received, before the new details are saved to the payment profile.Reduce risk during direct debit setupValidate account information before storing the bank profile and initiating the first debit.Important to knowAll KeyBank APIs require certificates, user credentials, and certain permissions.Owner validation requires either the person’s full name or the business name.Responses may include error codes, condition codes, primary status codes, and account-owner response values.