ATM/NCN
by
Payology
All features of ForeWarn, plus identifies account status and check or ACH return history to reduce returned payments and protect against account takeover fraud.
About the Provider
Payology, part of Check21.com, LLC founded in 2009 and based in Fort Lauderdale, FL, is a cloud-based payment processor providing real-time transaction and risk solutions. It delivers check scanning, mobile check capture, ACH and Check21 file creation, and check verification services designed to run natively in Salesforce and other SaaS environments.
Solutions
Check Verification
About the Product
Validates account and routing numbers to confirm the existence of a legitimate bank account, preventing fraudulent transactions. Identifies account status and check/ACH return history to reduce returned payments and protect against account takeover fraud.
ATM/NCN is a check and ACH verification method that queries consortium-based negative databases, such as TeleCheck and MicroBilt, to identify accounts associated with prior payment issues or fraudulent activity. When a routing and account number is submitted, the service checks against millions of account histories in the United States to flag known bad check writers and patterns associated with returns and disputes.
This capability is typically integrated into payment acceptance flows to reduce returns and chargeback-like events by screening risk before a transaction is finalized. By using ATM/NCN as a pre-debit risk filter, businesses can significantly cut operational costs tied to collections and exception handling while maintaining compliance with ACH validation requirements.
