Risk Verification Database

Risk Verification Database (rVd) from MicroBilt is a highly specialized and comprehensive tool designed to help businesses manage risk associated with electronic payments, particularly ACH and e‑Check transactions. Its primary function is to validate bank account and routing information, identify high‑risk accounts, and detect patterns of prior returned or unpaid transactions, thereby reducing the incidence of failed payments, fraud, and operational loss. The platform offers multiple tiers, such as Advantage Lite, Basic, Advantage, and Plus, allowing organizations to choose the level of verification and historical data analysis that best suits their risk tolerance and operational needs. Real‑time decision-making is supported through REST API integration, batch processing via secure FTP, or web portal lookup, providing flexibility for embedding risk checks directly into onboarding, underwriting, or payment-processing workflows. rVd leverages a vast historical database of billions of transactions, enabling accurate detection of closed accounts, account-structure inconsistencies, and previous return behavior, which helps businesses preemptively mitigate risk and ensure compliance with NACHA WEB Debit Account Validation Rules.