FAQ

Socure Account Intelligence (SAI) is a real-time service that verifies a bank account’s status (open/closed) and ownership.

• Standard → Provides core availability and ownership scores using consortium and internal data.
• Premier → Provides enhanced coverage and determinism through National Shared Databases, often with up to 20% higher coverage.

Eligibility is determined by industry, use case, regulator, and transaction volume.

High-risk businesses (e.g., online gambling, payday lenders) cannot access Premier and must use Standard.

To enable Premier, customers must complete the Early Warning® Reseller Payment Participant Application, which is reviewed by EWS/BNY Mellon. Approval is required before activation.

Premier requires pass-through of National Shared Databases.

Regulatory, risk, and contractual constraints mean that:

• Access is gated at the account/customer level.
• Customers must be provisioned with a child ID.
• Testing or POCs are forbidden until full onboarding and approval are complete.

• Customer must be provisioned in Socure’s system with a child ID for EWS integration.
• After EWS approval, the API request must call the module:
  JSON

  "modules": ["accountintelligencepremier"]

• Premier cannot be tested in sandbox without approval due to contractual restrictions.

• Request → Standard uses "accountintelligence". Premier uses "accountintelligencepremier".
• Response → Both return identical output formats with availabilityScore, ownershipScore, and reasonCodes.
• Internal config → Premier requires backend provisioning (child ID), but no extra fields are sent in the request.

• Child ID not set → Requests will fail if the customer is not properly configured.
• Improper module name → Must use the exact spelling "accountintelligencepremier".
• Unauthorized testing → Running Premier for unapproved clients or in sandbox is prohibited and may breach contracts.

• Ownership Score → [0.0 – 1.0] confidence that the account owner matches provided info.
• Availability Score → [0.0 – 1.0] likelihood the account is open and active.
• Reason Codes → Provide context on match results.

For unknown/no data, ownership may default to 0.40 or 0.68 depending on product version.

• Premier typically delivers ~20% higher coverage than Standard.
• If Premier is enabled and gaps remain (e.g., certain sponsor banks), consult your Socure TAM.
• Socure may investigate specific account ranges and provide workarounds.

• Retry with normalized inputs (clean casing, spacing, remove special characters).
• Escalate to REVIEW using tags or review queues for manual handling.
• Use additional RiskOS enrichments (e.g., Document Verification, Watchlist).
• In low-risk flows, accept availability confirmation even if ownership is uncertain.

Yes, batch is supported but rate-limited.

• Both Standard and Premier are typically capped at 20 TPS due to vendor restrictions.
• For Premier, sandbox batch testing is not allowed without explicit EWS approval.

• Use eval_id to trace execution in the Developer Console.
• Check status_code in each enrichment block (200 = success).
• Confirm the correct module (accountintelligence vs accountintelligencepremier) was called.
• Review reasonCodes for fallback, missing inputs, or mismatches.
• Inspect availabilityScore and ownershipScore for confidence values.

Escalate when:

• The enrichment module did not trigger despite valid input.
• Scores are unexpectedly low for known-good identities.
• Premier was expected but not activated.

Provide:

• eval_id
• referenceId (from enrichment response)
• Workflow name
• Full request/response payload
• Reproduction steps and logs

• Standard → U.S.-only, with limited consortium/internal data.
• Premier → U.S.-only, requires National Shared Databases.

Neither module is FedRAMP-authorized or available in GovCloud environments.

• Standard → Supported from the Admin Dashboard.
• Premier → Not currently supported from the dashboard (as of mid-2025). Must be integrated via API.

Yes. Premier SKUs (Status & Ownership) are priced higher than Standard, reflecting higher coverage rates and vendor costs.

Contact your Socure account manager for details.

• Standard → Fintechs, e-commerce, lenders, payments platforms.
• Premier → Banks, regulated industries, disbursement platforms, ACH fraud prevention, lending.

Premier is not available to high-risk industries (e.g., online gambling, payday lenders).

Not currently. Verify+ is strictly U.S.-only. For international coverage, use Verify (kyc) which supports 180+ countries.

No. Verify and Verify+ do not support document or biometric verification.

Use Socure Predictive DocV for ID document and facial biometric workflows.

Not via Verify or Verify+.

Use the Watchlist module for sanctions screening, PEP detection, and adverse media checks.

Source freshness varies by type.

Some data (e.g., credit, government) updates daily, while others may update weekly.

You can inspect source types via sourceAttribution, but not individual source timestamps.