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.

Get API Access See Use Cases →

~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()

How It Works

How verification works

Send routing and account numbers. Get a clear, structured response in milliseconds.

Send API Request

Pass the account number and routing number to the eCheck.io endpoint. Authenticate with your API key — that's it.

We Verify Securely

Our infrastructure queries the account status through secure, compliant channels — no credentials stored, no raw data exposed.

Get Structured Results

Receive a clean JSON response with account status, risk signals, balance indicators, and a recommended action.

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.

Last transaction date Activity score Balance indicator Account age

Activity Score — Last 30 Days

✓ status: ACTIVE · activity_score: 94/100

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.

Inactivity period Dormancy threshold Reactivation risk

Account Status Response

"status": "DORMANT",

"inactive_days": 347,

"last_activity": "2024-01-12",

"recommendation": "HOLD"

⚠ Recommend verifying with account holder before deposit

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.

flag Balance indicator Risk score Historical pattern

ACC-••••-5502

Wells Fargo

NSF

"nsf_flag": true,

"risk_score": 92,

"balance_tier": "LOW",

"recommendation": "DECLINE"

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.

<250ms P99 99.98% uptime Global edge Auto-scaling

Latency Benchmark — p99: 290ms
// Average latency by region
"us-east": 142ms ██████████░░ p50
"us-west": 168ms ███████████░ p50
"eu-west": 195ms ████████████ p50
 
// Throughput
"requests/sec": 12,400
"concurrent":  2,500
"uptime_sla":  99.99%

Developer Experience

Why developers choose eCheck.io

Built by engineers, for engineers. Simple API, comprehensive docs, and enterprise-grade reliability.

Sub-300ms Responses

Average ~210ms. Edge infrastructure for lowest latency.

RESTful JSON API

Clean endpoints with comprehensive error codes.

Real-Time Dashboard

Virtual terminal + full analytics to monitor volume.

Webhooks & Events

Instant alerts for NSF flags and status changes.

SDK & Code Samples

Libraries for Python, Node.js, PHP, and Ruby.

Sandbox Environment

Full test env with mock data for every status.

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

2-Field Input

Just routing + account number — that's it

Idempotent Requests

Safe to retry — no duplicate charges or side effects

Rate Limits Per Plan

Generous limits that scale with your growth

Get API Access

Quick Start — 3 lines of code
# Install the SDK
pip install echeck-io
 
# Verify an account
from echeck import Client
 
client = Client("your_api_key")
result = client.verify(
  routing="021000021",
  account="8910442001"
)
 
print(result.status)
# → "ACTIVE"
print(result.risk_score)
# → 12

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

🏦PCI DSS Level 1

GLBA Compliant

256-bit TLS

NACHA Certified

Start Building

Ready to integrate eCheck.io?

Get API access and start verifying accounts in minutes.

Request Demo See Use Cases →