Socure Enables Businesses to Scale Globally with Real-Time, Fraud-Aware Bank Account Verification Across 30+ International Markets

Socure, the AI-native platform for global identity and risk decisioning, announced the expansion of its market-leading Bank Account Verification capabilities to include international coverage across 30+ countries outside of the United States and Canada. Organizations can now verify bank accounts across dozens of major global markets — enabling secure cross-border payments, global payroll, marketplace disbursements, lending, refunds, peer-to-peer transfers, and account-to-account payments with confidence and speed.

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consumers expect instant payments, refunds, and transfers, while regulators and risk teams rightfully demand stronger fraud controls. Yet many account validation solutions still rely on user-permissioned logins or manual micro-deposits — introducing friction while only confirming whether an account is open and able to receive funds. These common yet outdated methods don’t determine whether the account is truly associated with the intended recipient or whether it presents fraud risk, and often depend on closed banking networks with limited visibility across fintechs, neobanks, credit unions, and international institutions.

At the same time, Nacha’s updated ACH rules, effective as of March 20, 2026, expand fraud monitoring expectations across the network and require risk-based processes designed to identify unauthorized transactions and those initiated under false pretenses. In this environment, verifying that an account simply exists is no longer enough. Institutions must validate ownership and assess fraud risk before funds move. Both originating and receiving financial institutions will be expected to maintain commercially reasonable, risk-based controls to identify and mitigate fraud.

Built on Socure’s RiskOS® platform, Socure’s Bank Account Verification solution delivers comprehensive, real-time verification across domestic and international financial institutions — without requiring user logins, redirects, or micro-deposits. With up to 98% account status and up to 82% ownership coverage, the solution validates the account and evaluates fraud risk signals within a single automated workflow, with decisions typically delivered in under two seconds. By unifying global account intelligence with integrated identity, device, and first-party fraud insights, organizations can reduce payment failures, prevent misdirected funds, and meet evolving regulatory expectations while preserving a seamless customer experience.

As a result, organizations can:

• Expand coverage beyond traditional bank consortiums to include neobanks, fintechs, credit unions, payment platforms, international institutions
• Identify risky funding behavior across deposits, remittances, gaming, and brokerage accounts before funds move
• Reduce ACH returns and dispute-driven losses, including R01 (Insufficient Funds) and R10 (Unauthorized Debit Claims)
• Protect conversion with real-time decisions in under two seconds using only name, routing, and account number
• Prevent losses from earnings theft and misdirected disbursements following account takeover

Unlike solutions limited to narrow banking networks or standalone login-based tools, Socure provides the industry’s most comprehensive account coverage combined with built-in fraud intelligence, along with seamless orchestration and decisioning in one unified, no-code platform. Customers can implement workflows in hours, dynamically step up verification when risk thresholds are met, and adapt controls as fraud patterns evolve.

“With this expansion, we’re redefining what bank account verification should be: real-time, global, fraud-aware, and frictionless,” said Pablo Abreu, Chief Product & Analytics Officer at Socure. “Our customers no longer have to choose between speed and security. They can move money confidently anywhere in the world — without logins, micro-deposits, or blind spots.”

With expanded international coverage and integrated fraud intelligence built directly into RiskOS®, Socure is setting a new benchmark for end-to-end bank account verification — enabling organizations to move money instantly, securely, and with confidence at global scale.

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