Coming soon
Verify Bank Accounts In Real-Time With Micro-Deposits
Instant micro-transactions allow you to authenticate customer bank accounts in real-time, reducing the risk of fraud and enhancing the payment process.
Accelerate onboarding and improve user experience on your platform, while ensuring every customer bank account is valid and functional.
Use Instant Micro-Transactions To Accelerate Onboarding & Reduce Fraud
Verify In Real-Time
Micro-deposits arrive in customer bank accounts instantly, so they can start using your services with no interuption.
Custom API Implementation
Access micro-deposit functions using our dedicated API endpoints, or from our user-friendly Portal.
Bank Account Verification
Micro-deposits offer robust verification of customer bank accounts to help reduce NSFs, fraud and risk exposure.
Pro-Active Fraud Reduction
Keep fraud at bay with custom workflows designed to enable multiple micro-transaction layers.
How Does Micro-Deposit Verification Work? 
1
Initiate A Verification
Initiate a micro-deposit for a customer by using the API endpoint or through the VoPay Portal.
2
Micro-Deposit Is Sent To Customer
Customer provides bank account details and a random amount between $0.01 - $0.99 is sent to their account.
3
Customer Validates The Deposit
Customer receives an eLinx Verification request by email or URL and enters the amount they see in their bank account.
4
Bank Verification Is Complete
Customers will have 3 attempts and 48 hours to enter the correct micro-deposit amount.
1
Initiate A Verification
Initiate a micro-deposit for a customer by using the API endpoint or through the VoPay Portal.
2
Micro-Deposit Is Sent To Customer
Customer provides bank account details and a random amount between $0.01 - $0.99 is sent to their account.
3
Customer Validates The Deposit
Customer receives an eLinx Verification request by email or URL and enters the amount they see in their bank account.
4
Bank Verification Is Complete
Customers will have 3 attempts and 48 hours to enter the correct micro-deposit amount.
1
Initiate A Verification
Initiate a micro-deposit for a customer by using the API endpoint or through the VoPay Portal.
2
Micro-Deposit Is Sent To Customer
Customer provides bank account details and a random amount between $0.01 - $0.99 is sent to their account.
3
Customer Validates The Deposit
Customer receives an eLinx Verification request by email or URL and enters the amount they see in their bank account.
4
Bank Verification Is Complete
Customers will have 3 attempts and 48 hours to enter the correct micro-deposit amount.
1
Initiate A Verification
Initiate a micro-deposit for a customer by using the API endpoint or through the VoPay Portal.
2
Micro-Deposit Is Sent To Customer
Customer provides bank account details and a random amount between $0.01 - $0.99 is sent to their account.
3
Customer Validates The Deposit
Customer receives an eLinx Verification request by email or URL and enters the amount they see in their bank account.
4
Bank Verification Is Complete
Customers will have 3 attempts and 48 hours to enter the correct micro-deposit amount.
Secure Bank Verification, Now even Faster
A fast and frictionless verification process is needed if you want your customers to stick around, and a robust validation workflow is essential in order to mitigate risk and scale bank account payments on your platform.
The quicker you can verify and onboard new customers, the faster you can ramp up growth on your platform.
Push, Pull & Layer Micro-Transactions To Suit Your Use-Case
As well as instant micro-deposits, we offer deposit and collection workflows in order to confirm debit permissions on your customer bank accounts.
And for increased fraud protection, our micro-transactions can be layered alongside each other so customers have to verify multiple deposits or credits in their account.
Push, Pull & Layer Micro-Transactions To Suit Your Use-Case
As well as instant micro-deposits, we offer deposit and collection workflows in order to confirm debit permissions on your customer bank accounts.
And for increased fraud protection, our micro-transactions can be layered alongside each other so customers have to verify multiple deposits or credits in their account.
Validate User Bank Accounts In Any Vertical
Our integration recipes are designed to give businesses in any industry the tools to build payments into their platform quickly and accurately.
Use micro-deposits to confirm the authenticity of users and their bank accounts.
Validate borrowers’ bank accounts prior to funding to reduce the risk of default.
Use micro-transactions to verify tenant accounts are correct and functional.
Send small deposits to unknown bank accounts to confirm ownership.
Ensure employee bank account details are correct and prevent errors.
Manage Micro-Deposit Verification Using The VoPay Portal
Use the VoPay Portal to setup and manage micro-deposits for your contacts with just a few clicks.
Monitor the verification status of new accounts and utilize successful connections to start moving money with confidence.
Frequently Asked Questions
Speak to a Fintech Specialist Today!
Speak To Our Team
Speak to a Fintech Advisor to outline your needs and impact plan.
Access Sandbox
Start testing in the VoPay sandbox to explore our advanced API functions.
Onboarding Support
Our compliance and onboarding team will guide you through the process.
Go Live!
Choose a production date and launch your integration with confidence!
Speak To Our Team
Speak to a Fintech Advisor to outline your needs and impact plan.
Access Sandbox
Start testing in the VoPay sandbox to explore our advanced API functions.
Sign & Onboard
Our compliance and onboarding team will guide you through the process.
Go Live!
Choose a production date and launch your integration with confidence!
Get to know the VoPay API
Get access to our developer friendly API and get a feel for how our payment solutions work.
Request a Call
Talk with our sales team
We are happy to answer your questions. Fill out the form and we will have one of our team members contact you.