# Account Owner Verification
source: https://developer.mastercard.com/open-finance-data/documentation/use-cases/account-opening-guide/account-owner-verification/index.md

This optional service leverages Mastercard's name‑matching algorithms, which combine industry‑standard similarity methods and custom‑built metrics---to reduce manual review effort, lower drop‑off risk, and strengthen KYC and fraud‑prevention processes by confirming whether the individual opening the account is the rightful owner of the linked bank account.

#### Optional Steps for Account Opening flow {#optional-steps-for-account-opening-flow}

Diagram ac-opening-guide-optional-steps

1-17. Refer to steps 1-17 of the [Account Opening Guide](https://developer.mastercard.com/open-finance-data/documentation/use-cases/index.md) for details of the primary flow steps.

18. For the Account Owner Verification service, the Integrator makes an Account Match endpoint request, providing the name the end user submitted during the direct‑debit setup process.

19. Mastercard runs an algorithmic name‑matching process using the End User‑submitted name and the account‑holder name from the Financial Institution producing a name‑match score that Integrators can use to support their own validation decisions. The Integrator uses the information they have received from the End User's Financial Institution to set up a direct debit mandate (recurring scheduled payments).  

    As an additional option, Integrators may retrieve the outcome of a previously submitted account-ownership verification by calling the GET account ownership verification results endpoint, enabling Integrators to reuse the name-match score for validation, audit, or reference purposes without resubmitting the original request.

20. The Integrator confirms to the user that the direct debit mandate has been successfully established.

##### Optional endpoints for Account Opening {#optional-endpoints-for-account-opening}

The customer can make a `Account Match` request, including end-user details for comparison (such as their full name) with provider-reported account holder data.

API Reference: `POST /account-ownership-verifications`

The customer can call the `GET account ownership verification results` endpoint to retrieve the results of a previously submitted account ownership verification.

API Reference: `GET /account-ownership-verifications/{verification_id}`