ACI Worldwide has partnered with Kinexys by J.P. Morgan to integrate the Kinexys Liink Confirm application into its Fraud and Financial Crime platform. As a result, banks can now verify account and payee details directly within payment workflows before transactions are completed.
To begin with, this integration allows financial institutions to confirm whether an account exists, remains active, and matches the intended recipient. Unlike traditional verification methods, which often occur after a transaction is initiated, this capability embeds validation at the start of the payment process. Consequently, banks can reduce the risk of fraud and misdirected payments in real time.
Moreover, the move comes at a critical time as fraud in instant payment systems continues to rise. Since real-time transactions are typically irreversible, financial institutions face increasing pressure to detect and prevent fraud before funds leave a customer’s account. According to ACI’s Scamscope report, authorized push payment scams currently generate $4.4 billion in global losses, and this figure is expected to grow significantly in the coming years.
In addition, the integration enhances fraud prevention by enabling consistent controls across multiple payment types, including ACH, wire transfers, and instant payments. The Kinexys Liink network, which operates across more than 70 countries, allows banks to validate account ownership using a single, unified connection. Therefore, institutions can streamline operations while maintaining strong security standards across different payment rails.
Gloria Wan, General Manager of Kinexys Liink at Kinexys by J.P. Morgan, emphasized the importance of this collaboration. “By integrating Kinexys Liink’s Confirm application directly into ACI’s fraud management platform, we’re making it easier for institutions to meet evolving account validation requirements and help protect their customers from fraud. Together, we’re supporting institutions as they adapt to a rapidly changing landscape and build greater trust in every transaction,” she said.
Furthermore, regulatory pressure and rising consumer awareness are pushing banks to adopt stronger pre-payment verification measures. In many markets, compliance requirements now demand enhanced fraud controls, especially as instant payments become more widely used in everyday banking.
Marc Trepanier, Director of Analytics and Optimization for Fraud and Financial Crime at ACI Worldwide, highlighted the urgency of real-time protection. “Instant payments change the economics and the timing of fraud. When payments settle in real time, verification must have happened prior to the transaction in real time as well. Embedding payee confirmation into the payment flow gives banks the ability to stop fraud before it happens, while supporting the scale and speed customers expect.”
Ultimately, by embedding payee verification directly into payment workflows, ACI Worldwide and Kinexys are helping financial institutions shift from reactive fraud detection to proactive prevention an essential step in securing the future of digital payments.
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