01
How It Works
How verification works
Send routing and account numbers. We do the heavy lifting and return a clear, structured response in milliseconds.
2-Field Input
Routing Verified
API Ready
How eCheck.io Works
Verification in 3 Simple Steps
Send a request, we do the heavy lifting, and you get a clear, structured result — all in under 300ms.
~210ms
Avg Response
99.99%
Uptime SLA
10M+
Checks Processed
<1 day
To Integrate
POST /v1/verify — 214ms
{
"account_id": "ACC-8910",
"status": "ACTIVE",
"verified_at": "2025-07-14T09:22Z",
"nsf_flag": false,
"dormant": false,
"risk_score": 12,
"recommendation": "PROCEED"
}
# Verify account status
curl -X POST \
https://api.echeck.io/v1/verify \
-H "Authorization: Bearer $API_KEY" \
-H "Content-Type: application/json" \
-d '{
"routing": "021000021",
"account": "8910442001"
}'
import requests
response = requests.post(
"https://api.echeck.io/v1/verify",
headers={"Authorization": f"Bearer {API_KEY}"},
json={
"routing": "021000021",
"account": "8910442001"
}
)
data = response.json()
Product Capabilities
Built for Every
Verification Workflow
From account verification to fraud detection, eCheck.io helps teams make safer financial decisions in real time.
02
Account Activity
Know If an Account Is Truly Active
Don't rely on account existence alone. eCheck.io tells you whether the account has seen recent transaction activity — so you know a deposit won't get lost.
Active
Verified
Recent
Last transaction date Activity score Balance indicator Account age
03
Decline Detection
Surface Inactive Accounts Before It's Too Late
Decline accounts can trap funds for weeks or trigger reversal fees. eCheck.io flags them upfront so you can route payments safely — or pause and verify with the recipient.
Dormant Flagged
Hold Advised
Ownership Match
Inactivity period Dormancy threshold Reactivation risk
04
Risk Identification
Stop Returns Before They Happen
Non-Sufficient Funds returns are expensive — in fees, time, and customer trust. eCheck.io surfaces risk signals in real-time so you can gate transactions before they fail.
Fraud Checked
NSF Detected
Low Risk
flag Balance indicator Risk score Historical pattern
05
Real-Time API
Built for Speed at Enterprise Scale
eCheck.io is engineered to handle millions of verifications per day. With a global edge network and 99.98% uptime SLA, you'll never be left waiting at a critical moment.
Routing Verified
Low Latency
API Ready
<250ms P99 99.98% uptime Global edge Auto-scaling
Developer Experience
Why developers choose eCheck.io
Built by engineers, for engineers. Pick a capability to see it in action — simple API, comprehensive docs, enterprise-grade reliability.
Response timeFast
187msavg response time
▼ 23ms vs last week
142msp50
290msp99
99.99%uptime
Last 24h · 4.1M requestsStatus page
API referencev2
POST/v1/verifyVerify a bank account
GET/v1/accounts/{id}Retrieve status & history
POST/v1/webhooksSubscribe to events
GET/v1/statusService health
REST · JSON · versionedAPI reference
Live dashboardLive
Verified today▲ 12.4%
4,182
Success▲ 0.3%
99.4%
Avg time▼ 8ms
211ms
Verifications / hour
Today
09:0012:0015:00now
Streaming · updated every 2sOpen dashboard
Event streamDelivered
verification.completedacct ••4021 · POST /webhooks
200just now
nsf.flag.raisedacct ••7788 · risk score 91
2002m ago
account.dormantacct ••1190 · inactive 240d
2005m ago
verification.completedacct ••5532 · POST /webhooks
2008m ago
Signed · auto-retried until 2xxWebhook docs
Official SDKsv2.1
pyPythonv2.1.0
jsNode.jsv2.1.0
phpPHPv2.0.4
rbRubyv2.0.4
$pip install echeck-io
Typed · open sourceView on GitHub
EnvironmentSandbox
LiveSandbox
ACTIVENSFDORMANTCLOSED
TEST_ACTIVE → ACTIVE
Mock verification passed — no real charges.
"status": "active",
"risk_score": 12,
"sandbox": true
Every status as a test fixtureGet test keys
Integration
Go live in minutes, not months
Two fields in, a comprehensive verification result out. No complex onboarding, no lengthy certification.
API Key Authentication
Simple bearer token auth — no OAuth complexity or certification.
2-Field Input
Just a routing and account number — idempotent and safe to retry.
Scales With Your Growth
Generous per-plan rate limits that grow as your volume does.
01
Install the SDK
One command. Typed clients for Python, Node, PHP and Ruby — no boilerplate, no codegen.
02
Authenticate
A single bearer token — no OAuth dance, no lengthy certification. Drop in your key and go.
03
Verify an account
Send routing + account. Get a structured result with status and risk score in ~210ms.
Security & Compliance
Enterprise-Grade Security,
Built In From Day One
eCheck.io is designed for regulated industries with the strictest compliance standards.
SOC 2 Type II
Audited controls for security, availability and confidentiality.
🏦
PCI DSS Level 1
The highest level of payment-card data protection.
GLBA Compliant
Safeguards for consumer financial information.
256-bit TLS
Bank-grade encryption in transit, end to end.
NACHA Certified
Aligned with ACH network operating rules.
Security is job zero.
Ready to integrate eCheck.io?
Get API access and start verifying accounts in minutes.