Authenticate bank account access instantly
Authenticate a user has current authorized access to an account leveraging our real-time microdeposit solution
For many years, microdeposits were one of the most relied upon forms of account verification. However, the time required to facilitate ACH micro-deposits resulted in the solution becoming impractical.
vAuth, out instant microdeposit solution, provides the capability to validate a user’s access to a bank account in real-time. By utilizing instant payment rails, vAuth can confirm an account is valid within seconds.
Microdeposit verification, which traditionally took 3-4 days for processing, can now be conducted in real-time. Increase confidence in verifying bank accounts prior to sending high-value transactions and extend reach to consumers who are hesitant to provide their bank account credentials for login.
vAuth
- We deposit a penny into the consumer’s bank account in as little as 15 seconds through instant payment rails
- We notify the consumer of the deposit through phone or email
- Consumer locates the deposit and enters the 4-digit code to confirm access
- Account is validated in real-time
The value for your business
Payment Rail Coverage
Covers payment rails including FedNow, RTP, and Same-Day ACH
Detect Fraud
Confirm an account is valid within seconds and reduce fraud risk
Streamlined Authentication
Confirm a user has access or account ownership in real-time
Related resources
Related products
vAccount
Verify a bank account is valid, open and ACH capable to ensure Nacha WEB debit compliance.
vAccount +
Validate bank accounts and reveal critical insights on payment performance.
Frequently asked questions
Compared to traditional micro-deposits that can take anywhere from 3 – 4 days to process, vAuth is an instant microdeposit solution for faster account validation.
Coverage can vary depending on the institution the consumer is using, but by leveraging instant payment rails including FedNow, RTP, and Same-Day ACH, vAuth can achieve up to 70% account coverage.
Yes, all customers are required to report their performance data as we are a give-to-get data model. By doing this, all customers gain tremendous value from accessing a much larger database of information than they would without data contribution across the network.
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