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How Account Ownership Via Name Match Works

This third tier of verification determines for consumer accounts whether the first name and/or last name provided matches data tied to the account being verified.

Users request an ownership check using the type parameter of the Verify API.

Note: The personobject is required in order to run an Account Ownership via Name Match check.

EnumDescription
status_ownershipThis request will first make a status check before making an ownership check.
control_ownershipThis request will make a control check in addition to a status check before making an ownership check.

An ownership verification also includes an account status verification. Additionally, you may also include an account control verification.

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Statuses

StatusDescription
pendingThe ownership status check request has been received and is in progress.
fullThe ownership status check came back as a full match, with both first and last names matching on the account.
partialThe ownership status check came back as a partial match, with either first or last name matching.
not_a_matchThe ownership status check came back without any matches on first or last name.
not_foundThe data for the requested bank account information was not available to check for a match.
canceledThe ownership status check was canceled due to an invalid account status.

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Fraud Controls

You will be blocked from making >5 verification requests to the same account within a 24 hour period.

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Example Webhook

{
  "account": {
    "id": "3fa85f64-5717-4562-b3fc-2c963f66afa6",
    "created_at": "2024-09-26T18:35:05.334Z",
    "updated_at": "2024-09-26T18:35:05.334Z",
    "account_number": "string",
    "routing_number": "string",
    "account_holder_name": "string",
    "email": "user@example.com",
    "type": "status_ownership",
    "person":{
      "first_name": "John",
      "first_name_match": "match",
      "last_name": "Smith",
      "last_name_match": "match"
    },
    "ownership_status": "full",
    "verification_status": "pending",
    "status_reason": "blocked_account",
    "control_status": "pending",
    "debit_status": "pending",
    "debit_status_reason": "blocked_account",
    "estimated_verification_date": "2024-09-26T00:00:00.000Z"
  }
}

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