MassPay has launched MassPay Validate, a standalone product that verifies account status and ownership before payments are sent.
According to the official press release, unlike verification features bundled into existing payout services, MassPay Validate is offered as a standalone product, meaning companies do not need to route payment volume through MassPay's own platform to use it. Verification is delivered through a single API call and covers personal and business accounts across the markets a company already pays into.
Failed payouts remain a recurring and often underestimated cost in electronic payments. According to MassPay, approximately one in eight payout failures stems from account data that could have been identified before the payment was sent, whether due to entry errors, outdated records, or tampering with payment instructions. The company notes that this cost is felt twice: by operations teams handling returns, reconciliation, and reprocessing, and by payees waiting for funds they were told had already been disbursed.
Ran Grushkowsky, Co-Founder and CEO of MassPay, said the product was originally developed to support MassPay's own payout operations before being made available more broadly, noting that verification addresses a problem affecting anyone who has been informed a payment was made but has not received it.
Product functionality and use cases
MassPay Validate returns a real-time result before funds are moved, including overall match status, confirmation of account ownership, a confidence score for the name match, and, where supported by the corridor, provider risk scoring. Based on this response, companies can proceed with a payment, flag it for review, or block it. Where a result cannot be finalised immediately, it is delivered by webhook rather than requiring the company to poll for updates.
The product is designed to be used at two points in the payment lifecycle: during supplier and vendor onboarding, when bank details can be checked at the point a record is created, rather than during a later payment run, and immediately before payment origination, including whenever payment instructions are changed. In addition, both use cases operate through the same API endpoint.
Regulatory context and pricing
The launch coincides with tightening requirements around payment verification, including Nacha's WEB Debit rule, which requires pre-send account verification for US ACH transactions. Pricing for MassPay Validate follows a pay-for-success structure: validations are charged individually at an agreed rate, with no minimum volume requirements, and accounts that cannot be validated are not charged.
Companies can test the product through MassPay's self-serve developer sandbox, which replicates production behaviour and does not require a contract, while a commercial agreement is only needed once an integration has been built and tested.
