Identity verification and internet fraud prevention solutions by EVS

ATMVERIFY™ and NCNVERIFY™

With ATM Verify, merchants can now determine in real time whether a customer's account is currently overdrawn, frozen, closed, etc., thus ascertaining whether a check is likely to be returned. ATM Verify offers the most powerful, accurate, and robust verification system available today. By harnessing the single largest source of account information in the world, merchants can effectively reduce transaction losses through immediate risk assessment. Merchants can access this information in real time. With a continually expanding list of participating financial institutions, ATM Verify goes beyond simple check verification.

Real-Time Check Verification

  • Eliminate bad checks anywhere they are accepted
  • Three levels of verification
  • Largest source of account information in the world
  • Sub-five second response times
  • Batch mode option for large volumes

ATM Verify is a powerful check verification service with three distinct levels of verification capabilities. At the highest level of verification (Level 1), the product is able to verify funds in real time. Through a direct electronic query to the check writer's financial institution, the product is able to determine if the checking account currently has positive funds or not.

At the next level of verification (Level 2), ATM Verify is able to verify accounting information at the beginning of that business day. Level 2 can verify an open valid account with positive funds or if the account is currently NSF, closed, or unable to be located.

ATMVerify Applications

  • Check acceptance at retail (point of sale)
  • Bill pay (utilities, mortgage, insurance, etc.)
  • Online orders
  • Telephone or mail orders
  • Collection agencies
  • Credit card companies

ATM Verify can be used at the point-of-sale, for web-based, telephone-based, and a variety of other applications where checking account verification capabilities are needed. This product can be integrated with existing systems, shopping cart software or used with any of ACH Direct's other software products such as DirectBilling, SoftTerminal or VirtualTerminal.

If ATM Verify Level 1 or Level 2 verification is not possible for a particular account; we offer NCN Verify, which links into National Check Networks massive databases that consist of over 22 million accounts, in which we can determine whether or not that specific checking account has dishonored items currently pending with a participating merchant. Additionally, we can also check the more than 138 million DDA accounts that are tracked in the positive database to determine whether or not that check writer has a "positive" check-writing history to merchants that supply data to the National Check Network. When combing NCN Verify with our real-time account status check verification service ATM Verify, merchants now have the most comprehensive check verification service ever provided in the marketplace.

  • Over 22 million accounts in the National Check Network database
  • Over 138 million positive records
  • 120,000 merchants and 260 collection agencies contributing over 300 times a day
  • Can be used with ANY ACH Direct processing solution
  • Less than two second response time

NCN Verify is the best choice for negative and positive check verification, whether you're accepting paper checks or electronic debits through the Federal Reserve ACH network. More major banks, grocery stores and retailers choose the National Check Network database. Some of the reasons why include: Informed Decisions, Easy Integration, Rapid Transactions, 138 Millions Accounts Tracked, and the Fewest Unnecessary Returns.