Account Check Service

Overview

Azupay's Account Check Service (ACS) helps businesses check whether payment details align with information held by the recipient's bank before funds are sent. It supports stronger payment controls across onboarding, payout, refund, claim, rebate, and supplier-payment workflows.

ACS is designed to help reduce fraud and scam risk, prevent misdirected payments, and lower the operational effort caused by incorrect or inconsistent payee details.

Account Check is most useful where you need stronger assurance before sending funds, especially for first-time payees, updated bank details, higher-risk transactions, or regulated payout flows.

Account Check methods

Account Check supports two checking methods:

Confirmation of Payee checks BSB, account number, and account name details before payment. It is useful where your workflow already collects or stores bank account details.
PayID matching checks PayID details before payment. A PayID can be checked for reachability, or checked alongside linked BSB, account number, and account name details when your workflow needs stronger validation.

How this fits into your business

Account Check Service isn’t just a name check, it becomes part of how you control and manage payouts.

Confirm account details before sending funds
Stop incorrect or potentially fraudulent payments before they happen
Reduce failed payments, rework, and manual follow-up
Apply simple decision rules (e.g. proceed, flag, or review based on result)

For many businesses, this becomes a standard step in payout, refund, or disbursement workflows.

Account Check returns a result that your business can use in its own decisioning. For example, you may choose to proceed, ask the customer to confirm their details, send the case for review, retry later, or stop the payment.

Where ACS delivers the most value

ACS is particularly valuable where:

High-volume payments

You're sending high volumes of payments, such as refunds, claims, or withdrawals.

New recipients

You're paying new or first-time recipients.

Higher-risk payments

Payment errors or fraud create operational or financial risk.

Know your payee controls

You need stronger "know your payee" controls.

Integration approach

ACS is designed to fit into your existing processes without needing to redesign your customer experience.

Depending on your setup, you can:

Embed checks directly

Embed checks directly into your payment workflows.

Support payout operations

Run checks as part of your payout or refund process.

Choose your build level

Use API or dashboard-based options depending on your level of build.

Your Azupay contact can help you determine the best approach based on your current setup.

Developer resources

For technical implementation details, refer to the Azupay Developer Docs: