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MonitorPay

Instantly verify if a bank account is open, active, or restricted — before sending funds.

Stop failed payments, reduce operational risk, and improve payout reliability. This check confirms the current operational status of any bank account in real time, helping you avoid sending funds to closed, frozen, or dormant accounts.

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Trusted by 289,000+ businesses

What’s Verified

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Account
Operational Status

  • Open & Active
  • Dormant / Inactive
  • Closed or Frozen
  • Restricted

Real-Time Usability Check

Indicates if the account is currently able to receive payments.

Bounce Risk Scoring

Score indicating the likelihood of a transaction being rejected due to inactivity or restrictions.

Data Provenance

Response sourced directly from regulated financial institutions, partner banks, and open banking rails.

Timestamped Audit Trail

Full traceability for compliance and payment logs.

For Business Accounts — Additional Insights

When available, we also provide verified firmographic context:

  • Legal Entity Name
  • Company Registration Number
  • Social Profiles
  • Company Website
  • Registered Address
  • Industry Classification
  • VAT Number (if applicable)
  • Incorporation Date & Status
  • Ownership Structure (UBO & Shareholders)
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Global Coverage

Supported in:

Europe (EU, UK, EEA)

United States & Canada

LATAM (Brazil, Mexico, Colombia & more)

APAC (Australia, Singapore, India, etc.)

MENA (UAE, Saudi Arabia, Egypt & others)

Coverage continuously expanding — reach out for detailed list by country.

Use Cases

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Finance & treasury teams

Prevent costly payment errors by validating beneficiary accounts before funds are released.

Vendor onboarding

Ensure clean payment data is collected from suppliers from day one.

Freelancer and platform payouts

Validate payee information across multiple markets in real time.

Procurement & shared service centers

Standardize account verification across global teams.

Access Methods

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API Integration

Ideal for automating payment flows and onboarding pipelines.

Web Dashboard

Use manually for one-off verifications or team-based workflows.

Batch Upload

Validate thousands of accounts at once via secure file upload.

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Frequently asked questions

Absolutely. We adhere to all major data protection regulations, including GDPR.

Absolutely. We adhere to all major data protection regulations, including GDPR.

Absolutely. We adhere to all major data protection regulations, including GDPR.

Absolutely. We adhere to all major data protection regulations, including GDPR.

Absolutely. We adhere to all major data protection regulations, including GDPR.

Absolutely. We adhere to all major data protection regulations, including GDPR.

Absolutely. We adhere to all major data protection regulations, including GDPR.

Absolutely. We adhere to all major data protection regulations, including GDPR.

Start your business journey
better with MonitorPay

Schedule a 30 minute call to discuss your priorities and long term goals.

Request a demo

Enterprise-Grade by Default

MonitorPay is engineered for enterprise-level demands, integrating security and compliance into its core. Our API-first architecture provides total flexibility, while our strict "no-storage" policy for sensitive data removes your risk. Built to exceed GDPR, PSD2, and AML requirements, it’s the robust infrastructure your business can build on.

GDPR
Compliant

PSD2
Ready

AML
Ready

API-First
Architecture

No Storage of
Sensitive Data

GDPR
Compliant

PSD2
Ready

AML
Ready

API-First
Architecture

No Storage of
Sensitive Data

Trusted by Leaders in Finance & Global Commerce

See why teams at FinTechs, Marketplaces, and global corporations rely on MonitorPay.ai.

"Integrating MonitorPay.ai was a game-changer. We've cut payment failures by over 90%, reducing costs and improving customer satisfaction. The data's reliability is second to none."

Sarah Chen

Head of Payments, NovaPay

"MonitorPay's Account Ownership Verification is the final layer of assurance we need before dispatching large B2B payments. Confirming ownership against official records gives my team confidence."

David Miller

Global Treasury Manager

"Onboarding thousands of sellers was a compliance bottleneck. MonitorPay's API automated our entire verification process. We now onboard faster, with greater confidence and a full audit trail."

Markus Weber

CCO, EuroTrade Market

"We needed a robust verification tool for our merchants. MonitorPay's API was simple to integrate, and their direct data access gives us a huge quality advantage. We launched a critical feature in weeks, not years."

Elena Ricci

Lead Product Manager