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Stop settling for generic platforms. Let's build a custom payout solution that scales worldwide, evolves with your business, and puts your people first - wherever they are.
MassPay Validate confirms an account's status and owner before a payment goes out - personal or business, with global coverage, through one API call. You do not need to route payout volume through MassPay to use it.
A standalone service
MassPay Validate is not a bundled feature of our payout platform - it is its own product. Any company originating payments can verify accounts through a single integration, no matter how they actually send the money.
Validate personal and business accounts wherever your payees are, without standing up a separate connection for every market you operate in.
The problem
As electronic payments have grown, so have fraud and administrative returns. Entry errors, stale records, and deliberate tampering with payment instructions all lead to failed payments, wasted operational effort, and compliance exposure - and the team behind it finds out only after the money bounces back.
Where it fits
Both run through the same endpoint - use one or both, depending on how your payment lifecycle works.
Verify bank details the moment a new counterparty record is created, alongside your existing due diligence - instead of finding out about an error during a live payment run months later.
Re-check immediately before a payment goes out, especially any time payment instructions have changed - the moment fraud attempts are most likely to slip through.
How it works
Submit an account inquiry and get a real-time, actionable response - so your team or your system can decide before any funds move.
Account number plus routing or sort code. Optionally account name, tax ID, or date of birth.
MassPay queries our network of data providers for the target country and account type.
A real-time account status comes back before any funds move.
Proceed, flag for review, or block - based on real data, not guesswork.
What you get back
Every response includes an overall match outcome and confirmation of account ownership, with a confidence score behind the name match. Provider risk scoring is included wherever the corridor supports it, so it reads as enrichment on top of a decision you can already act on.
Validation supports pre-send account verification requirements as payment schemes evolve, including Nacha's WEB Debit rule for US ACH transactions - so your onboarding and payment flows stay ahead of compliance obligations rather than reacting to them.
Pricing
No platform fee and no minimum commitment - you pay for validations that actually run.
Charged individually at your agreed rate, with no platform fee layered on top.
Start at any volume. There is no minimum commitment to unlock production access.
If an account cannot be validated, you do not pay for the attempt. Invoicing runs monthly.
Spin up a sandbox account, get a token, and integrate against the validation endpoint - production behavior, zero commitment. A commercial agreement only comes in once your integration is built and tested.
Sandbox access, no card and no signature required to begin.
Stop settling for generic platforms. Let's build a custom payout solution that scales worldwide, evolves with your business, and puts your people first - wherever they are.
