Phixius by Nacha Expands Bank Account Validation Coverage With ValidiFI
"Phixius provides the connective tissue to reach multiple account validation service providers, addressing gaps in coverage for validating U.S. bank account information," said Rob Unger, Managing Director of ACH Network Development at Nacha. "With multiple data sources, Phixius assists organizations in mitigating payment fraud, helping reduce ACH returns, and improving the quality of ACH transactions.'
'This partnership with Phixius enhances the distribution of ValidiFI's account validation solutions,' said John Gordon, CEO of ValidiFI. 'Our offerings provide extensive coverage of bank accounts, combined with intelligence to identify fraud and assess risk."
With this new integration with ValidiFI, Phixius is enhancing its value proposition to users to:
Validate bank account information in the United States instantaneously.
Mitigate payment risk when sending and receiving payments to new accounts.
Comply with the Nacha Operating Rules & Guidelines, including the requirement to validate account information for Internet-initiated ACH debits (WEB debits).
Phixius streamlines the validation process by:
Allowing users to access multiple data sources through a single, standard API gateway.
Enabling connectivity to multiple data sources without centralized data aggregation.
Maintaining strong data security practices through SOC 2 Type 2 certification for security, confidentiality, and privacy.
To learn more about Phixius and schedule a free demo, visit Phixius.org.
Attendees at Smarter Faster Payments, taking place in New Orleans April 27 to 30, can stop by the Nacha Booth No. 844 or the ValidiFI booth No. 913 to learn more about the partnership and get a demo.
About Nacha
Nacha governs the thriving ACH Network, the payment system that drives safe, smart, and fast Direct Deposits and Direct Payments with the capability to reach all U.S. bank and credit union accounts. There were 33.6 billion ACH Network payments made in 2024, valued at $86.2 trillion. Through problem-solving and consensus-building among diverse payment industry stakeholders, Nacha advances innovation and interoperability in the payments system. Nacha develops rules and standards, provides industry solutions, and delivers education, accreditation, and advisory services.
About ValidiFI
ValidiFI is the leading provider of predictive bank account and payment intelligence. Leveraging the Omni Platform, ValidiFI empowers organizations and financial institutions with actionable insights to help validate bank accounts, detect fraud, and assess credit risk. By analyzing the intricate connections between bank accounts, consumers, and payment performance, ValidiFI offers a more comprehensive view. ValidiFI serves as a trusted partner, unlocking the power of predictive bank account and payment intelligence through credentialled and non-credentialed solutions, enabling more confident transactions. For more information, visit validifi.com.
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That means, in some states, the practice might still technically be illegal. That said, ISPs can still get around that legal ruling pretty easily. For instance, throttling is technically still allowed if your internet plan has a data cap or your ISP's network is overloaded. Additionally, if your ISP gives notice about slowing your internet speeds, it can legally do so. A proven way to avoid internet throttling is to use a virtual private network. Providers need to see your IP address to slow down your internet and a good VPN shields that identity. This comes with some limitations and downsides, which we'll discuss below. Quick tips to help speed up your Wi-Fi at home Quick tips to help speed up your Wi-Fi at home Click to unmute Video Player is loading. Play Video Pause Skip Backward Skip Forward Next playlist item Unmute Current Time 0:52 / Duration 4:25 Loaded : 22.63% 0:52 Stream Type LIVE Seek to live, currently behind live LIVE Remaining Time - 3:33 Share Fullscreen This is a modal window. Beginning of dialog window. Escape will cancel and close the window. Text Color White Black Red Green Blue Yellow Magenta Cyan Opacity Opaque Semi-Transparent Text Background Color Black White Red Green Blue Yellow Magenta Cyan Opacity Opaque Semi-Transparent Transparent Caption Area Background Color Black White Red Green Blue Yellow Magenta Cyan Opacity Transparent Semi-Transparent Opaque Font Size 50% 75% 100% 125% 150% 175% 200% 300% 400% Text Edge Style None Raised Depressed Uniform Drop shadow Font Family Proportional Sans-Serif Monospace Sans-Serif Proportional Serif Monospace Serif Casual Script Small Caps Reset Done Close Modal Dialog End of dialog window. Close Modal Dialog This is a modal window. This modal can be closed by pressing the Escape key or activating the close button. Close Modal Dialog This is a modal window. This modal can be closed by pressing the Escape key or activating the close button. Quick tips to help speed up your Wi-Fi at home Viva Tung, CNET / Getty Images Troubleshoot your slow internet connection So your Wi-Fi is slow, and you think your service provider is throttling your connection. Let's troubleshoot your internet connection first to absolutely rule out other possibilities: Restart your router properly, check that the router is centrally located in your home, reposition its antennas and double-check your network security. If your laggy internet is caused by your router being too weak to reach a particular room, you can spend as little as $15 on a Wi-Fi extender or invest in a high-functioning mesh network, which we recommend if you're trying to optimize coverage to the whole house. If you can get past the steep price tag, you may also invest in a good quality network switch to increase the bandwidth in your home. If you've run through the laundry list and your Wi-Fi is still chugging slowly, move on to the next step. Getty Images/Viva Tung/CNET Find a reliable VPN If you've researched your internet health and are still stumped, the next step is to start researching VPNs. CNET's top pick for the best VPN on the market is ExpressVPN due to its excellent privacy transparency, usability and consistently fast speeds. If your internet provider is actually throttling your internet speeds, a VPN is one of the only ways to get around it. While your ISP can still throttle VPN traffic, the VPN will encrypt that traffic using different protocols. You may have to try out different VPNs to find one that works effectively. There are many reasons to get a VPN and just as many factors to consider when settling for one, like security, price and server locations. Keep in mind that using a VPN will still slightly slow your speeds, but you may experience less congestion and slowdown overall while using one. Compare your speed with the VPN Next, test your internet speed again using a service like or Compare the results with the same test when your VPN is active. Using any VPN will slow your speed considerably, so the speed tests should show a discrepancy, with the VPN-active speed being notably slower than the VPN-inactive speed. But a VPN also hides the IP address that providers use to identify you so if your speed test with the VPN is faster than without the VPN, that may mean your ISP is targeting your IP address for throttling. Fix your internet OK, this is the hard part because knowing where to start could be tricky. Even if you find out your provider is throttling your internet, there may not be much you can do. Many people in the US live in regions with ISP monopolies or duopolies, making finding a better provider difficult. But here are a few hopefully useful suggestions: If you do have options, consider switching to a better provider in your area. Not only will you potentially put speed throttling to rest but you may end up with faster speeds and a better deal. Check out our top picks for ISPs and high-speed ISPs in 2025. Use your VPN to maintain more consistent speeds. A VPN can't solve a bad connection or other reasons behind your slow service but it can mitigate throttling from unscrupulous ISPs. Call your provider and threaten to switch providers if they don't stop throttling your internet. This might seem old-fashioned and doesn't guarantee lasting results but some providers have responded positively to such tactics and you may be able to negotiate your way out of the throttling. What's the bottom line on internet throttling? It's never a complete guarantee that your ISP won't throttle your speeds down the line. If you've exhausted all the ways to improve your speeds and are still not noticing a significant change, we recommend switching to a different ISP available in your area. To learn more, check out our guide on the best internet providers near you. Bandwidth throttling FAQs What is bandwidth throttling and is it legal? If you're noticing a long buffering time when trying to stream your favorite television show, you might be experiencing bandwidth throttling. This happens when your ISP purposely slows down your internet speeds by controlling your bandwidth. The FCC's ruling on net neutrality was thrown out in the 6th Circuit Court of Appeals recently, along with other rules about regulating the internet as a utility. That means that although in some states, the practice might still technically be illegal, it is legal in other states. Plus, ISPs can easily get around that legal ruling. 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