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What is ACH Account Verification?

ACH account verification (also called “validate person”) checks if a bank account is valid and belongs to the person you think it does. This helps:
  • Reduce fraud: Verify accounts before processing payments
  • Prevent failures: Catch invalid accounts early
  • Improve success rates: Only process payments for verified accounts
When to use it: Before processing an ACH payment, especially for recurring billing or large amounts.

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How Verification Works

  1. You send account details to the verification API
  2. Verification provider checks with the bank
  3. You get a response telling you if the account is valid
  4. If valid: Proceed with the ACH payment
  5. If invalid: Don’t process the payment, ask customer for correct information

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Test Data by Verification Provider

The test data you use depends on which verification provider is configured in your Revolv3 account. You can select the provider in the portal (Settings → Merchant Settings).

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WorldPay Verification

Use this test data when WorldPay is your verification provider: 
{
  "FirstName": "John",
  "LastName": "Doe",
  "Address": {
    "AddressLine1": "200 Main St",
    "City": "King City",
    "State": "CA",
    "PostalCode": "93930",
    "Country": "USA",
    "PhoneNumber": "408-555-1212"
  },
  "Ach": {
    "AccountNumber": "4099999992",
    "RoutingNumber": "011075123",
    "AccountType": "Checking"
  }
}
What to expect: This should return a successful verification response if WorldPay is configured.

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GIACT Verification

Use this test data when GIACT is your verification provider: 
{
  "FirstName": "Robert",
  "LastName": "Williams",
  "Address": {
    "AddressLine1": "100 Main St",
    "City": "Little Elm",
    "State": "TX",
    "PostalCode": "75068",
    "Country": "USA",
    "PhoneNumber": "18425551234"
  },
  "Ach": {
    "AccountNumber": "0000000018",
    "RoutingNumber": "122105123",
    "AccountType": "Checking"
  }
}
What to expect: This should return a successful verification response if GIACT is configured.

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Important Notes

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Provider Selection

  • Only one active: Only one verification provider can be active at a time
  • Changeable: You can switch providers in the portal if needed
  • Check your settings: Verify which provider is active before testing

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Test Data Requirements

  • Use exact values: Test data must match exactly (account numbers, routing numbers, addresses)
  • Provider-specific: Each provider has different test data
  • Address matters: The address values are important for verification

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Best Practices

  1. Verify before charging: Always verify accounts before processing ACH payments
  2. Use correct test data: Match the test data to your active verification provider
  3. Handle failures: If verification fails, don’t proceed with the payment
  4. Test both scenarios: Test both successful and failed verifications

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Next Steps