Database authorization
Online. Offline.
Any account, verified
No matter where your customers bank or how they verify their accounts, our database makes sure you can approve with confidence.
Database authorization
Online. Offline.
Any account, verified
No matter where your customers bank or how they verify their accounts, our database makes sure you can approve with confidence.
No new build. Just more coverage.
On Plaid? You're set up.
Database Auth is built into Plaid Link as a native fallback, and is ready to go the moment you need it.
Verify beyond the digital flow
The account verification API automatically brings Database Auth to call centers, in-person interactions, and agent-assisted flows.
Built to work how you need it
Set your own rules in the Account Verification Dashboard. When available, layer in Identity Match or Signal for deeper risk insight.
A database that doesn't leave your customers behind
Long-tail coverage takes you farther
Verify customers from neo-banks, credit unions, and the long-tail financial institutions other databases don't cover.
250M+ verified accounts and counting
Nearly 5 million new verified accounts are added every month, so your coverage keeps growing without any work on your end.
A database that doesn't leave your customers behind
Long-tail coverage takes you farther
Verify customers from neo-banks, credit unions, and the long-tail financial institutions other databases don't cover.
250M+ verified accounts and counting
Nearly 5 million new verified accounts are added every month, so your coverage keeps growing without any work on your end.
The numbers don't lie. Neither do the returns.
90% pass rate
combined across pass and pass with caution
80% fewer
ACH returns
55% drop
seen in returns with the full waterfall
Full coverage with one comprehensive integration
Plaid is the only vendor that handles open banking and database verification together, so you’ll never need a second solution.
Every channel covered: digital, call center, and in-person
One integration for the full customer onboarding journey
Limit risk with access to Identity Match and, where eligible, Signal transaction scores
Full coverage with one comprehensive integration
Plaid is the only vendor that handles open banking and database verification together, so you’ll never need a second solution.
Every channel covered: digital, call center, and in-person
One integration for the full customer onboarding journey
Limit risk with access to Identity Match and, where eligible, Signal transaction scores
