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Account validation confirms that a payout method associated with a participant is eligible to receive funds through Commerce Hub for Platforms.
Validation helps ensure that payout information is complete, supported, and can be associated with the participant before funds are disbursed.
Account validation is separate from participant verification. A participant may be onboarded and activated before a payout method is provided. Validation becomes relevant when a participant adds, updates, or uses a payout method to receive funds.
Account validation helps platforms:
Only validated payout methods should be used for fund disbursement.
Commerce Hub supports validation for eligible payout methods associated with participant profiles.
| Account Type | Typical Information |
|---|---|
| Bank Account | Account holder, routing or bank identifier, account number, account type, country |
| Debit Card | Cardholder information, permitted card details, network, country |
| Digital Wallet | Wallet provider, wallet identifier, account holder, required authorization |
Validation requirements may vary depending on the selected payout method.
Account validation can occur during onboarding or after onboarding is complete.
Providing payout information is not required to create a participant profile or complete participant onboarding.
Validation is typically performed when a participant:
Once validated, the payout method remains associated with the participant profile until changed by the participant.
Account validation is performed when a participant adds a payout method or updates an existing payout method.
Depending on the payout method and validation results, additional information or supporting documentation may be required before validation can be completed.
Account validation generally results in one of three outcomes.
| Result | Description |
|---|---|
| Verified | Account is eligible for use as a payout destination |
| Additional Review Required | Additional information or documentation is required |
| Validation Failed | Account could not be verified or is not eligible |
Verified payout methods remain associated with the participant profile and can continue receiving funds until modified by the participant.
If account information changes, validation may be repeated.
In some situations, automated validation may not be sufficient to confirm account ownership or eligibility.
Additional review may be required when:
When validation is unsuccessful, participants may be asked to:
Do not create duplicate participant profiles or duplicate payout methods while a validation outcome is pending.
Participant verification and account validation are separate processes.
| Process | Purpose |
|---|---|
| Participant Verification | Confirms identity, business information, eligibility, and compliance requirements |
| Account Validation | Confirms a payout method can receive funds and be associated with the participant |
Depending on the onboarding model and business workflow, these processes may occur at different times.