Largest database for fraudulent transaction detection

Prevent fraud, reduce return rates and ensure Nacha compliance
with instant automated decisioning using the leading ACH and E-Check verification database.

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Powered by MicroBilt
10 years
over 3,023,814,127 transactions

Expertise & scalability to meet your business needs.

  • Choose the right format for you.

    RVD is available as a REST API for software applications, as a batch process through secure FTP, and via a web-based portal for merchants doing singular transactions.

  • Customized business rules for automated approval declines and warnings.

    The application can also be refined and configured to suit your particular risk tolerance. Working with your assigned representative, we can help ensure your business is more profitable.

  • Add-on modules to meet your needs.

    Federal regulations require particular industries to perform an OFAC check before processing money movement. RVD offers an add-on module that will add OFAC screening within one transaction. Other options include returning the bank return reason for the most current returned debits.

Learn moreabout How it works

Right-sized for your needs.

RVD is available in multiple versions with tiered pricing.

Non-FCRA Solutions FCRA Solutions
ADV Lite
Automated Decisioning Available Available Available Available
Risk Level Decisioning Not available Not available Not available Available
Bank Routing Number Validation Available Available Available Available
Bank Account Number & Structure Validation Available Not available Available Available
Web Debit Rule Compliance Available Not available Available Available
Invalid / Closed Accounts on File Identification Available Available Available Available
Returns Name Match Indicator or Name Detail Not available Available Available Available
Returns First and Last Date Seen for Account Not available Available Available Available
Negative and Positive History Transaction - Counts Not available Available Available Available
Returns the Average Amount of Days for
Returned Payments to Clear
Not available Available Available Available
Add-On Services Available
OFAC Check Not available Available Available Available
Returned History Detail - $ Amount / Returned Reasons on File Not available Available Available Available
Learn moreabout Products and Pricing

Nacha Preferred Partner

MicroBilt is a NachaPreferred Partner for Bank Account Verification. NachaPreferred Partners are a select group of innovators that contribute to Nacha’s strategic efforts in support of the payments ecosystem by removing friction, increasing ease, improving cash flow accessibility and efficiency, as well as supporting sound risk management and security for ACH payments. MicroBilt was selected as a Preferred Partner because of its proven service that provides accurate and timely verification of bank account information, enabling businesses to reduce risk and improve transaction quality.

Rock solid security for you, your business and your customers.

RVD was built by MicroBilt, a leader in the risk management and data-services industry for over 40 years. MicroBilt uses banking quality data encryption, meeting the industry’s most stringent data security requirements as well as current FCRA compliance standards.

Speak with our sales professionals.

RVD is only available to businesses.