The MicroBilt ABA and Account Schema Verification API is a web service that confirms that a bank routing number is valid, and verifies that the account number structure follows a known account schema for the financial institution. Financial institution name and contact information are also returned, with other data for account type, ACH transactions and more. MicroBilt's services are available for integration that utilizes HTTP APIs with XML responses. It is online access to consumer and commercial credit bureau data with automated decisioning and collection services. This includes; fraud prevention, consumer financing, debt collection, and background screening. MicroBilt provides risk management solutions for the Enterprise marketplace.