Know who’s really on the other end of every payment.
PayVerify runs real-time identity, business, and bank account verification before a payment challenge is ever sent — so fraud, mule accounts, and misdirected transfers get caught before they cost you.
- Built for Banks
- Credit Unions
- Fintechs
- Instant Payment Rails
Payment fraud didn’t slow down. Neither did we.
Real-time and instant payment rails took away the float that used to catch fraud after the fact. Mule networks, synthetic identities, and misdirected payments now move at the same speed as legitimate ones — and by the time a transaction is flagged, the money is often already gone.
The Instant Paradox
- 100% real-time verification
- Zero payment float
- Stop funds before they move
Verification, built into every stage of the payment.
Pre-Verification Intelligence
Runs identity and counterparty checks before a payment challenge is ever sent — giving your team a clear decision point.
Business Verification
Cross-references registration, ownership, and reviews to confirm exactly who you're doing business with, in real time.
Bank Account Verification
Confirms account ownership and validity instantly, reducing failed payments and closing common vectors for fraud.
Built for the teams closest to the risk
Catch mule accounts and synthetic identities before the challenge is sent, and get ahead of NACHA's 2026 mule-detection requirement.
Confirm account ownership before funds move, cut failed and misdirected transfers, and resolve flagged payments without pushing friction onto your customers or your queue.
Build mule-account detection into your ACH and wire rails now, so your next exam finds you already ahead of NACHA's 2026 requirement, not scrambling to meet it.
One verification layer. Every payment type.
Formerly IDeveryone Payment Protection, now PayVerify.
We changed our name because our platform outgrew it. PayVerify now covers the full payment lifecycle — before, during, and after a transaction — with the precision and breadth today’s payment fraud demands. Existing customers move to the PayVerify platform automatically, with no disruption to service, contracts, or integrations.
Frequently Asked Questions
Does PayVerify replace our existing fraud monitoring?
No. PayVerify works alongside the monitoring you already have. Most institutions can already flag a suspicious payment; the harder problem is what happens next. Step-up authentication confirms the customer's identity, but it can't catch a scam where the customer is knowingly authorizing the payment to someone they've been deceived about. Escalating every flagged transaction to a human reviewer doesn't scale either. PayVerify closes that gap: it gives a real-time read on the counterparty so a flagged transaction can be resolved without adding customer friction or pulling in an analyst.
How fast is the verification?
Verification runs in real time, in the background, on relevant payments. It isn't a separate step customers wait through. Pre-Verification Intelligence checks the counterparty before a payment challenge is even sent, and Bank Account Verification confirms ownership and validity instantly. A visible prompt only appears when risk crosses a meaningful threshold, so most transactions move through unnoticed.
What payment types does PayVerify support?
Push payments, cryptocurrency, ACH and wire transfers, and checks. PayVerify verifies the recipient before a push payment submits, confirms the address owner before crypto sends, verifies both senders and recipients on ACH and wire transfers (including mule-account identification), and confirms whether a check is altered, counterfeit, or forged.
Is PayVerify ready for NACHA's 2026 mule-detection requirement?
Yes. PayVerify's ACH and wire verification identifies mule accounts on both the sending and receiving side of a transfer, which is the core of NACHA's 2026 requirement. It runs as part of the same verification layer covering your other payment rails, so ACH compliance doesn't require a separate tool
Ready to see what’s really behind your payments?
Talk to our team about how PayVerify fits your stack — no pressure, just a conversation about where the gaps are.