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 * Platform
   * Deliver
     * Unlock bank-rate pricing and expanded processing windows with our ‘Direct
       to Fed’ payments solution
     * Learn More
   * Verify
     * Verify bank accounts instantly with our first-of-its-kind technology
     * Learn More
   * API Docs
     * Take a deeper dive into our embedded payments that fit right into your
       tech stack.
     * Learn More
 * Industries
   * Whether lending, running a brokerage, or building a bank, find out how Orum
     can help your business
     * View All Use Cases
   * * Brokerage
       * Elevate the experience for your customers and reduce costs for your
         business by streamlining the payout process.
       * Learn More
     * Creator
       * Power your creator platform with Orum’s unparalleled creator payment
         solution.
       * Learn More
     * Insurance
       * Acquire and retain customers by offering claim payouts that hit their
         account in seconds when they need their money the most.
       * Learn More
     * Marketplace
       * Say goodbye to slow and unreliable payouts for your marketplace with
         Orum’s easy-to-integrate marketplace payout solution.
       * Learn More
 * Resources
   * Blog
     * Read more about product deep dives, use cases, and company and employee
       initiatives.
     * Learn More
   * Case Studies
     * Our collection of industry case studies, showcasing practical
       applications and proven results.
     * Learn More
   * Press
     * Learn more about Orum and read about our initiatives in the news.
     * Learn More
 * About Us
   * Careers
     * Interested in joining our team? Help us rewrite the rules of money
       movement.
     * Learn More
   * Vision & Leadership
     * Our vision is to power a better financial system where everyone has the
       freedom to build to their potential.
     * Learn More
 * Get In Touch

Back
 * Platform
   * Deliver
     * Unlock bank-rate pricing and expanded processing windows with our ‘Direct
       to Fed’ payments solution
     * Learn More
   * Verify
     * Verify bank accounts instantly with our first-of-its-kind technology
     * Learn More
   * API Docs
     * Take a deeper dive into our embedded payments that fit right into your
       tech stack.
     * Learn More
 * Industries
   * Whether lending, running a brokerage, or building a bank, find out how Orum
     can help your business
     * View All Use Cases
   * * Brokerage
       * Elevate the experience for your customers and reduce costs for your
         business by streamlining the payout process.
       * Learn More
     * Creator
       * Power your creator platform with Orum’s unparalleled creator payment
         solution.
       * Learn More
     * Insurance
       * Acquire and retain customers by offering claim payouts that hit their
         account in seconds when they need their money the most.
       * Learn More
     * Marketplace
       * Say goodbye to slow and unreliable payouts for your marketplace with
         Orum’s easy-to-integrate marketplace payout solution.
       * Learn More
 * Resources
   * Blog
     * Read more about product deep dives, use cases, and company and employee
       initiatives.
     * Learn More
   * Case Studies
     * Our collection of industry case studies, showcasing practical
       applications and proven results.
     * Learn More
   * Press
     * Learn more about Orum and read about our initiatives in the news.
     * Learn More
 * About Us
   * Careers
     * Interested in joining our team? Help us rewrite the rules of money
       movement.
     * Learn More
   * Vision & Leadership
     * Our vision is to power a better financial system where everyone has the
       freedom to build to their potential.
     * Learn More
 * Get In Touch


VERIFY BANK ACCOUNTS INSTANTLY WITH OUR NEW TECHNOLOGY

Our first-of-its-kind tech - built on FedNow and RTP - instantly verifies bank
accounts before you initiate payments.

Get In Touch
Available As No Code
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Request Demo


INSTANT, ACCURATE, AND EFFICIENT VERIFICATION. PATENT PENDING.

100% coverage of all bank accounts

Our new technology is built on RTP and FedNow with a Same Day ACH fallback –
guaranteeing coverage of all consumer and business bank accounts in the U.S. 

Immediately verify Account Status

We validate Account Status instantly – fulfilling Nacha requirements. Our tech
determines whether an account is open, valid, and ready to send/receive
payments. Unlike traditional microdeposits, we don’t rely on end users,
eliminating all customer friction.

Validate Account Control

As an additional, optional tier of verification, Verify ensures the end user has
control of the account – helping combat “friendly fraud” caused by Reg E abuse.
Verify drops a random 4-character code into the account and prompts the user to
authenticate the code.


THE SIMPLEST API FOR FAST, RELIABLE PAYMENTS


 * DELIVER
   
   Deliver payments 24/7 with our unique ‘Direct to Fed’ money movement solution


 * VERIFY
   
   Verify bank accounts instantly with our innovative technology


 * SAFEGUARD
   
   Safeguard your business in a world of real-time expectations to enjoy
   reliable redundancies


THE WAY THE WORLD VERIFIES BANK ACCOUNTS IS ANTIQUATED, SLOW, AND UNRELIABLE




TRADITIONAL AVS

Constrained by end user credentials and archaic ACH microdeposits
Limited coverage with only 67% of US business accounts
Data is not reliable for today—but based on historical data, batched nightly and
fails to reflect intra-day changes


ORUM’S SOLUTION: VERIFY

Instant bank account verification 
via RTP and FedNow with no end-user involvement
100% coverage of all bank accounts
leveraging RTP, FedNow and ACH
Data is instant and reliable 24/7/365
verifying a business account is open and valid in real-time
Get Set Up Today


(ALREADY) AWARD-WINNING

Best Anti-Fraud for Lending
“Verify is a step forward in an industry still plagued by invalid credentials,
friction, and fraud.”

– Tearsheet Data Awards

Read Full Story


VERIFY PRODUCT UPDATES

 * Product Updates
   
   
   JUST LAUNCHED: ‘VERIFY’ NOW AVAILABLE AS NO CODE SOLUTION

 * Product Updates
   
   
   JUST LAUNCHED: VERIFY NOW VALIDATES ACCOUNT CONTROL

 * Product Updates
   
   
   INTRODUCING VERIFY: INSTANT BANK ACCOUNT VERIFICATION TECHNOLOGY

 * Platform
   * Deliver
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   * API Docs
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 * Industries
   * Insurance
   * Brokerage
   * Marketplace
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 * About Us
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   * Media Resources

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