Initiate bank account verification
Instant micro-deposit verification offers a quick and efficient way to verify bank account ownership. Send a $0.01 credit with a unique verification code via RTP or same-day ACH, depending on the receiving bank’s capabilities. This feature provides a faster alternative to traditional methods, allowing verification in a single session.
It is recommended to use the X-Wait-For: rail-response header to synchronously receive the outcome of the instant credit in the response payload.
Possible verification methods:
instant: Real-time verification credit sent via RTPach: Verification credit sent via same-day ACH
Possible statuses:
new: Verification initiated, credit pendingsent-credit: Credit sent, available for verification in the external bank accountfailed: Verification failed due to credit rejection/return, details inexceptionDetails
To use this endpoint from the browser, you’ll need to specify the /accounts/{accountID}/bank-accounts.write scope when generating a token.
{
"status": "new",
"verificationMethod": "instant"
}Response headers
X-Retry-In
string
<duration>
Headers
X-Wait-For
string
Optional header to wait for certain events, such as the rail response, to occur before returning a response.
When this header is set to rail-response, the endpoint will wait for a sent-credit or failed status from the payment rail.
payment-method,
rail-response
Path parameters
accountID
string
<uuid>
required
bankAccountID
string
<uuid>
required
Response
status
string<enum>
new,
sent-credit,
max-attempts-exceeded,
failed,
expired,
successful
verificationMethod
string<enum>
instant,
ach