[Ryan Shiroky]

If you were funding it wouldn't you want to make sure the bank statements were valid and balances were positive?

The decision logic system is pretty effective and should make the merchant more comfortable

Another way to verify is to attach a disclosure to your application, where the merchant fills in their banking info and signs off that the bank is allowed to talk to you. Then you can just call the bank and verify deposits...

This has ALWAYS been a deal breaker for some merchants, even if its a "view only" account, what business owner in their right mind would want a third party reviewing their bank account at will...???