Complete bank account verification
Finalize the instant micro-deposit verification by submitting the verification code displayed in the user’s bank account. Upon successful verification, the bank account status will be updated to verified
and eligible for ACH debit transactions.
The following formats are accepted:
MV0000
mv0000
0000
To use this endpoint from the browser, you’ll need to specify the /accounts/{accountID}/bank-accounts.write
scope when generating a token.
PUT
/accounts/{accountID}/bank-accounts/{bankAccountID}/verify
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Bank Account Verification
{
"status": "successful",
"verificationMethod": "instant"
}
No account with the specified accountID was found or verification code has not been sent for the source.
The code provided was incorrect or the bank account is in an unexpected state.
Request was refused due to rate limiting.
Response headers
Retry-After
number
Path parameters
accountID
string
<uuid>
required
ID of the account.
bankAccountID
string
<uuid>
required
ID of the bank account
Body
application/json
code
string
Code provided by user from their bank account transactions
Response
application/json
exceptionDetails
object
Reason for, and details related to, an
errored
or verificationFailed
bank account status.
Show child attributes
achReturnCode
string<enum>
The return code of an ACH transaction that caused the bank account status to change.
Codes:
- R02 - Account Closed
- R03 - No Account/Unable to Locate Account
- R04 - Invalid Account Number
- R05 - Improper Debit to Consumer Account
- R07 - Authorization Revoked by Customer
- R08 - Payment Stopped
- R10 - Customer Advises Originator is Not Known or Authorized to Receiver and
- R11 - Customer Advises Entry Not in Accordance with the Terms of the Authorization
- R12 - Branch Sold to Another DFI
- R13 - RDFI not qualified to participate
- R14 - Representative payee deceased or unable to continue in that capacity
- R15 - Beneficiary or bank account holder
- R16 - Bank account frozen
- R17 - Entry with Invalid Account Number Initiated Under Questionable Circumstances
- R20 - Non-payment bank account
- R23 - Credit entry refused by receiver
- R29 - Corporate customer advises not authorized
- R34 - Limited participation RDFI
- R38 - Stop Payment on Source Document (Adjustment Entry)
- R39 - Improper Source Document
Possible values:
R02
,
R03
,
R04
,
R05
,
R07
,
R08
,
R10
,
R11
,
R12
,
R13
,
R14
,
R15
,
R16
,
R17
,
R20
,
R23
,
R29
,
R34
,
R38
,
R39
description
string
Details related to an
errored
or verificationFailed
bank account status.
rtpRejectionCode
string<enum>
The rejection code of an RTP transaction that caused the bank account status to change.
Codes:
- AC03 - Account Invalid
- AC04 - Account Closed
- AC06 - Account Blocked
- AC14 - Creditor Account Type Invalid
- AG01 - Transactions Forbidden On Account
- AG03 - Transaction Type Not Supported
- MD07 - Customer Deceased
Possible values:
AC03
,
AC04
,
AC06
,
AC14
,
AG01
,
AG03
,
MD07
status
string<enum>
Possible values:
new
,
sent-credit
,
max-attempts-exceeded
,
failed
,
expired
,
successful
verificationMethod
string<enum>
Possible values:
instant
,
ach