Montevideo, Uruguay — Prometeo has announced the launch of Name Match, marking a major enhancement to U.S. bank-account verification by adding ownership-evaluation intelligence to its unified verification API.

Launch Overview

Prometeo, one of the leading fintech infrastructure providers across the Americas, has expanded its U.S. Bank Account Verification API with the introduction of Name Match, a capability designed to evaluate likely bank-account ownership before payments are initiated. The enhancement introduces ownership logic that compares beneficiary-provided names with the official name held on file by financial institutions. The result — Match, Partial Match, No Match or No Data — provides businesses with an actionable, risk-aware signal they can embed directly into their payment decisioning flows.

The launch arrives as U.S. businesses face increasing fraud attempts, tightening Nacha guidelines, and rapidly scaling ACH volumes, creating a need for pre-payment controls that operate quietly, efficiently and in bulk. With Name Match, Prometeo reinforces its position as a key infrastructure provider helping enterprises improve payout accuracy, reduce returns, and comply with best-practice validations across U.S. rails.

Key Launch Details

• Product: Name Match (ownership-evaluation capability)
• Layer: Embedded within Prometeo’s U.S. Bank Account Verification API
• Use Case: Ownership checking before payout initiation
• Launch Location: Montevideo, Uruguay
• Market Focus: United States ACH and real-time payment ecosystems
• Outcome Options Returned: Match, Partial Match, No Match, No Data
• Response Time: Under 5 seconds for real-time rails
• Primary Users: Enterprises, platforms, payment service providers, treasury teams
• Objective: Reduce misdirected payments, prevent fraud, lower return fees, and support Nacha-aligned compliance workflows
• Infrastructure Context: Works at scale without requiring login flows or interactive user sessions

Why This Launch Matters

The U.S. payment landscape has entered a phase where account existence checks alone are no longer sufficient. Nacha encourages strengthened validation, especially as digital payouts, gig-economy payments, marketplace settlements, and embedded finance platforms scale rapidly. Meanwhile, with over 79% of organizations facing fraud attempts in 2024 and ACH volumes reaching $23.2 trillion in Q3 2025, the financial risk behind misdirected or fraudulent payouts has multiplied.

Name Match directly responds to these pressures by combining Prometeo’s reach into U.S. payment rails with a precise identity-matching layer. Instead of relying solely on routing and account number verification, financial institutions now gain insight into whether the provided name aligns with the official account-holder records — a critical factor for preventing fraud, handling payroll, onboarding suppliers, or managing large-scale treasury operations.

This launch signals a shift from basic account validation toward ownership-aware verification, a category increasingly becoming standard infrastructure for enterprise payments.

Feature Breakdown — Deep Dive

1. Ownership Evaluation Through Network-Trusted Data

Prometeo compares the beneficiary name input with the official name attached to the bank account. The result produces one of four outcomes — Match, Partial Match, No Match, No Data — enabling companies to embed rules-based decisioning into their payment workflows.

2. Real-Time and Asynchronous Support Across U.S. Rails

Name Match operates with direct connectivity to U.S. payment networks, returning results in under five seconds on real-time rails. For large batch operations, asynchronous checks ensure no disruption to bulk payouts.

3. Risk-Reduction and Fraud Prevention

By identifying likely ownership mismatches before funds leave the sender’s account, Name Match helps organizations avoid costly returns, reduce operational friction, and minimize opportunities for account takeover fraud.

4. Eliminates the User Login Bottleneck

Traditional verification tools require end users to log in to their bank. This poses a scalability issue when verifying thousands of accounts. Prometeo’s API enables verification using only routing number, account number and expected name — ideal for enterprises running high-volume operations.

5. Seamless Integration with Prometeo’s Unified API

The Name Match capability operates within the same Bank Account Verification API businesses already use to confirm account status and validity across the U.S. and Latin America. One integration powers all verification workflows.

Executive Quotes

“Verifying that an account exists is no longer enough, in the U.S., Nacha encourages account validation and pre-payment checks. Name Match supports those efforts by adding an ownership-evaluation step ahead of settlement,” said Ximena Aleman, Co-Founder and Co-CEO of Prometeo. “Financial institutions also need confidence in who likely owns the account. Name Match brings that clarity without adding friction for high-volume payment operations.”

“Enterprises need infrastructure that works behind the scenes at scale,” added Rodrigo Tumaian, Co-Founder and Co-CEO of Prometeo. “Name Match helps them verify thousands of accounts without requiring interactive login steps or disrupting operations.”

Industry Context

Ownership-aware verification has become essential across modern payment ecosystems. Financial institutions, pay-out platforms, marketplaces and payroll providers increasingly rely on automated pre-payment checks to mitigate return fees, operational costs, and exposure to unauthorized account usage.

Prometeo’s infrastructure-driven approach — eliminating login-based friction and unlocking automated verification at scale — aligns with broader trends across the Americas, where businesses are adopting embedded finance and unified API frameworks.

The launch also supports ongoing industry movement toward identity-anchored payment rails, where ownership signals play a critical role in reducing fraud losses, compliance violations and misdirected transfers.

Industry Impact

Who benefits

• Employers running payroll to new beneficiaries
• Marketplaces onboarding sellers
• Fintechs delivering embedded payouts
• Gig-economy platforms
• Treasury teams managing bulk disbursements
• Compliance teams reducing ACH return codes

Competitive implications

Prometeo strengthens its competitive advantage against fragmented verification vendors by offering ownership-aware, multi-country, multi-bank infrastructure under a single API.

Expected adoption

Demand should grow rapidly among enterprises scaling U.S. payment flows, especially those moving from login-based checks to frictionless batch verification.

What Comes Next

The introduction of Name Match deepens Prometeo’s role in powering secure, accurate payouts across the Americas. As organizations expand into real-time disbursements, cross-border treasury operations and embedded finance ecosystems, ownership-enhanced verification is expected to become a standard layer within pre-payment workflows.

Prometeo’s trajectory suggests continued investment in fraud prevention, real-time decisioning tools and expanded coverage across both U.S. and Latin American payment infrastructures.

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