Microdeposits

Verify account details by making two, small ACH deposits for end user confirmation.

With Microdeposits, make two, small ACH deposits into a consumer's account using the provided account and routing number. You can then require that the end user confirm the exact amount of each deposit. In doing so, you can verify that the consumer owns the account and meets NACHA requirements for account verification.

Our Microdeposits product is an additional verification method within the Connect Widget that enables you to verify account details and navigate microdeposits and the Automated Clearing House (ACH) system.

Quick Links

API Reference

Learn about the full features of the Platform API.

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Connect Widget Reference

Learn about the Connect Widget.

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Demo App

View the demo app on GitHub.

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Microdeposit Sample Data

This sample response shows the data you can expect to get for account owners.


_20{
_20  "micro_deposit": {
_20    "account_name": "My Test Account",
_20    "account_number": "33331261",
_20    "account_type": "CHECKING",
_20    "created_at": "2023-06-01T21:12:49Z",
_20    "email": "joshyboy2@example.com",
_20    "error_code": null,
_20    "error_message": null,
_20    "first_name": "Joshy",
_20    "guid": "MIC-d1351d87-fafc-4935-b2f0-158973e68d34",
_20    "institution_code": null,
_20    "institution_name": null,
_20    "last_name": "Groban",
_20    "routing_number": "091000019",
_20    "status": "REQUESTED",
_20    "updated_at": "2023-06-01T21:12:49Z",
_20    "verified_at": null
_20  }
_20}