ACH Account Validation- iStream

Overview

When using runner.js to tokenize ACH payment information, you may validate the Routing Number (ABA) and Demand Deposit Account (DDA) number before processing an ACH transaction. This validation helps reduce the risk of failed transactions due to invalid or fraudulent banking information. Please inquire with integrations@runpayments.io to have this enabled for your merchant account.

Validation Process

Request Account Validation

When submitting an ACH tokenization request with validation enabled, the system performs real-time verification of the provided banking details against multiple risk factors including:

• Routing number validity
• Account number format
• Known fraud patterns
• Historical transaction data

Response Format

The validation response includes a Risk Information object containing two critical fields:

    },
    "risk_info": {
        "decision": " ",
        "reason": " "
    },

Decision Codes

The decision field will return one of three possible values:

Example Response

Successful Validation Response:

1
{
2
    "token_info": {
3
        "token": "22455816"
4
    },
5
    "risk_info": {
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        "decision": "Accepted",
7
        "reason": ""
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    },
9
    "bank_info": {
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        "routingNumber": "074912319",
11
        "paymentType": "ach",
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        "name": "Creek City Bank",
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        "addressFull": "113 W Market St, Warsaw, IN 46580",
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        "street": "113 W Market St",
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        "city": "Warsaw",
16
        "state": "IN",
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        "zip": "46580",
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        "phone": "574-267-7855",
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        "active": "Active",
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        "lastUpdated": "Mar 25, 2024"
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    }
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}