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What is SmartAPI?

Smart API provides an efficient answer for obtaining the critical credit and verification services that your business needs. The landscape has recently experienced a notable rise in the number of credit resellers and verification service providers. This leads to an important inquiry: how much time are you realistically able to allocate for integrating your system with each of these services? Do you have the capacity to develop multiple APIs—three, five, or even ten—to compile the vital data necessary for your business's prosperity? Instead of squandering precious development resources, you can simplify your process by connecting to a single API that grants access to credit and verification information from numerous resellers and service providers. Our platform empowers you to take advantage of customizable response formats, integrate various technologies, and attribute data effectively, all complemented by dedicated support personnel to boost your efficiency and provide a competitive edge. With our service, you can access data from three credit bureaus in mere seconds, all brought together into one detailed report. Furthermore, our API makes it simple to connect with a diverse range of credit resellers and verification services, ensuring your data requests are not only secure but also sent over HTTPS with strong 128-bit SSL encryption for optimal protection. By harnessing these features, you can greatly enhance your operations and concentrate on what truly matters—expanding your business and achieving your goals. Moreover, the time saved allows you to allocate resources to other strategic initiatives, further driving your company's success.

What is Manual Bank Verification?

Manual Bank Verification (MBV) is designed to confirm banking information before initiating an ACH debit or evaluating an individual's credit limit. This process utilizes specialized data obtained from a diverse range of financial institutions, such as community banks and credit unions. For maximum accuracy, manual calls can be made if requested, providing an additional layer of verification. MBV allows for an unlimited number of validation attempts, ensuring that the consumer's credit score remains unaffected, and is available in two separate tiers of service. The Basic tier can handle batch processing or be accessed via a flexible API, which does not require consumer consent for their bank participation and usually provides results within 24 hours. Conversely, the MBV Premium tier not only examines the same data as the Basic tier but also enables a direct three-way dialogue among the consumer, their bank, and an MBV representative to improve the verification process. This thorough strategy guarantees a dependable verification system that serves the interests of both lenders and consumers effectively, ultimately fostering a trustworthy financial environment.

Media

Media

Integrations Supported

Kinective Bridge
MeridianLink Opening

Integrations Supported

Kinective Bridge
MeridianLink Opening

API Availability

Has API

API Availability

Has API

Pricing Information

Pricing not provided.
Free Trial Offered?
Free Version

Pricing Information

Pricing not provided.
Free Trial Offered?
Free Version

Supported Platforms

SaaS
Android
iPhone
iPad
Windows
Mac
On-Prem
Chromebook
Linux

Supported Platforms

SaaS
Android
iPhone
iPad
Windows
Mac
On-Prem
Chromebook
Linux

Customer Service / Support

Standard Support
24 Hour Support
Web-Based Support

Customer Service / Support

Standard Support
24 Hour Support
Web-Based Support

Training Options

Documentation Hub
Webinars
Online Training
On-Site Training

Training Options

Documentation Hub
Webinars
Online Training
On-Site Training

Company Facts

Organization Name

MeridianLink

Date Founded

1998

Company Location

United States

Company Website

www.meridianlink.com/products/smart-api

Company Facts

Organization Name

MicroBilt

Date Founded

1978

Company Location

United States

Company Website

www.microbilt.com/product/manual-bank-verification

Categories and Features

Categories and Features

Banking

ATM Management
Compliance Tracking
Corporate Banking
Credit Card Management
Credit Union
Investment Banking
Multi-Branch
Online Banking
Private Banking
Retail Banking
Risk Management
Securities Management
Transaction Monitoring

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