Distribution via ACH - ACH verification tool

Curious if anyone is doing distributions to participants via ACH and not using a large provider (like a Penchecks, American TCS, Broadridge/Matrix, etc) to facilitate. We are implementing this, in house, and are curious if anyone else does the same? Wondering what "tool" is being used as an ACH verification tool - to not only verify it is a legit ACH account number that was provided but also a name matching tool as well. So if a Joe Smoe sends ACH information to us - we run the account number and name through a system to verify that yes, this is a legit account number and the name matches Joe Smoe....and then we can send the funds. 

How does everyone handle outgoing ACH payments to participants? 

Not exactly the answer you are looking for as we use one of the large paying agents.  But our policy on ACHs is simple.  You can only get one if you make an online election and input the numbers yourself.  It is on you to get it right.  If something goes wrong we will help obviously but we take no responsibility nor liability for the numbers a participant inputs for payment.  Anything else is a risk management is unwilling to take.