gAUTHENTICATE®

Confirm bank account signatories.

gAUTHENTICATE® provides real-time verification that a customer is an authorized signatory on a bank account to confirm transactional authority on the account prior to processing a payment. gAUTHENTICATE® can be used as a standalone product or as a supplement to gVERIFY®.

How it works

1

Match consumer or business names on checking and savings accounts

2

Compensate for nicknames, typos, and other data entry errors to minimize false negatives

3

Incorporate personal information, including address, DOB, SSN/TIN, phone number, if provided

Confirm if an account exists, is open, active and in good standing

Confirm account ownership and signing authority

Authenticate payments for all kinds of debits and payments, including disbursements

Benefits Include

FAQs

gAUTHENTICATE provides the following decision-based responses: Accept, Decline, Accept with Risk or No Data found. Additional data is provided in XML format for additional detail as-needed.

Yes. gAUTHENTICATE can be used as a standalone product or in conjunction with gVERIFY. gAUTHENTICATE provides real-time, concrete assurance that a user is authorized to sign or transact against an account.

Yes, the database utilizes fuzzy logic that accounts for name variations, including nicknames, misspellings and abbreviations.

Yes, by adding gAUTHENTICATE to the gVERIFY service, you will also be able to reduce both Administrative and NSF ACH returns.

Certain types of companies that are excluded from using this service at this time:

  • Companies with less than $10mm in annual revenue
  • Companies in business less than 1 year
  • Money Service Bureau (MSB) not including banks

Learn more about gAUTHENTICATE®