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 access this endpoint using an access token
you'll need to specify the /accounts/{accountID}/bank-accounts.write scope.
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{
"verificationMethod": "instant",
"status": "new"
}Response headers
x-request-id
string
<uuid>
required
{
"error": "string"
}Response headers
x-request-id
string
<uuid>
required
Response headers
x-request-id
string
<uuid>
required
Response headers
x-request-id
string
<uuid>
required
Response headers
x-request-id
string
<uuid>
required
{
"error": "string"
}Response headers
x-request-id
string
<uuid>
required
Response headers
x-request-id
string
<uuid>
required
Response headers
x-request-id
string
<uuid>
required
Response headers
x-request-id
string
<uuid>
required
Headers
X-Moov-Version
string
Specify an API version.
API versioning follows the format vYYYY.QQ.BB, where
YYYYis the yearQQis the two-digit month for the first month of the quarter (e.g., 01, 04, 07, 10)BBis the build number, starting at.01, for subsequent builds in the same quarter.- For example,
v2024.01.00is the initial release of the first quarter of 2024.
- For example,
The latest version represents the most recent development state. It may include breaking changes and should be treated as a beta release.
v2024.01.00x-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>
required
new,
sent-credit,
max-attempts-exceeded,
failed,
expired,
successful
verificationMethod
string<enum>
required
instant,
ach