ValidiFI, Inc., the leading provider of predictive bank account and payment intelligence, released its Q2 2025 Bank Account and Payment Intelligence Report, titled "Real-time payments, real-time risk: Smarter account views for faster payments." The report exposes vulnerabilities in fraud prevention as real-time payment systems like RTP, FedNow, and Zelle proliferate, emphasizing the perils of outdated verification amid a 79% fraud victimization rate in 2024 per the AFP Payments Fraud and Control Survey.
As real-time rails accelerate settlements and faster ACH modernizes flows, organizations risk amplifying fraud exposure without advanced verification. The report, drawing from ValidiFI's vast database, highlights stark disparities: "Debit Return Likely" accounts incur NSF returns five times the norm, while high-risk routing numbers drag success rates to 61%—well below the 81% benchmark.
"Organizations must treat validation as a frontline defense," said John Gordon, CEO of ValidiFI. "As fraud continues to escalate across consumer and vendor payment channels, organizations must treat validation as a frontline defense. Investing in robust bank account and payment data to gain deeper visibility into account behavior and risk not only protects against financial loss but also reinforces trust with customers and partners."
Traditional checks overlook subtle indicators, but ValidiFI's analysis reveals telling patterns: Accounts tied to multiple SSNs exhibit 60% elevated invalid rates and diminished success; those linked to three or more phone numbers face 22% higher invalidity and double NSF occurrences. These insights underscore the necessity of predictive intelligence to preempt failures in instant payment ecosystems.
ValidiFI's Omni Platform validates up to 85% of accounts and authenticates 75% in seconds, layering pattern matching for 92% auto-approval and 35% return reductions. By fusing bank data with behavioral signals, it equips firms to detect fraud, streamline approvals, and ensure compliance—safeguarding speed without sacrificing security.
"Without a complete 'ValidiFI-ed' profile built using bank account and payment intelligence, organizations will miss important signals that can point to increased risk of payments fraud, NSFs, defaults, and more," Gordon added.
ValidiFI's Q2 report serves as a wake-up call for the payments sector: In an era of instant transactions, proactive, data-enriched validation isn't optional—it's essential to mitigate losses, enhance trust, and capitalize on real-time opportunities.
To download the full Q2 2025 Bank Account and Payment Intelligence Report: "Real-Time Payments, Real-Time Risk: Smarter Account Verification for Faster Payments" and to receive future intelligence reports, visit https://validifi.com/bank-account-and-payment-i...
ValidiFI is the leading provider of predictive bank account and payment intelligence. Leveraging the Omni Platform, ValidiFI empowers organizations and financial institutions with actionable insights to help validate bank accounts, detect fraud, and assess credit risk. By analyzing the intricate connections between bank accounts, consumers, and payment performance, ValidiFI offers a more comprehensive view. ValidiFI serves as a trusted partner, unlocking the power of predictive bank account and payment intelligence through credentialed and non-credentialed solutions, enabling more confident transactions. For more information, visit www.validifi.com.
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