Authenticate bank account access instantly
Confirm a user has current authorized access to an account in seconds leveraging instant payment rails
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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®, is ValidiFI’s real‑time bank account access authentication solution, designed to deliver high‑confidence validation with significantly less friction than credentialed login workflows.
By utilizing instant payment rails like RTP and FedNow, vAuth® confirms account access in seconds, enabling organizations to verify that a bank account is open, valid, and truly accessible by the user.
vAuth® modernizes legacy microdeposit verification offering:
- Real‑time authentication
- Lower friction than credentialed login
- Flexible notification channels supporting verification via text message or email
How vAuth® works
- A $0.01 microdeposit is delivered to the bank account, containing a unique 4‑character verification code
- ValidiFI sends the user a text or email directing them to the vAuth verification page
- The user retrieves the code from their online banking portal, enters it into vAuth, and the system verifies access
- Account is validated in real-time, delivering the highest confidence short of credentialed login but with far less consumer friction
The value for your business
Support Payouts & Workflows
For disbursements, claims, vendor payments, and other high‑dollar transactions, gain confidence before sending funds.
Detect Fraud & Risk
Confirm both account validity and the user’s ability to access the account to detect fraudsters and minimize ACH returns
Improve User Experience
Keep users engaged during onboarding and payment method setup.
Related resources
Related products
vAccount Suite
Verify a bank account is valid, open and ACH capable to ensure Nacha WEB debit compliance.
vFraud
Detect fraudulent account openings, fake identities, synthetic identities, and misrepresented payment endpoints
Frequently asked questions
Microdeposit verification is a method used to confirm a bank account belongs to the user without requiring access to sensitive login credentials.
This is done by having a third-party provider like ValidiFI deposit a small amount – usually less than $1 – into a user’s bank account in real-time. The user then checks their account for the deposit.
vAuth is the ideal tool for organizations seeking to balance experience with accuracy, reduce fraud, and ensure that funds are always sent to the right account, and the right person:
- Payment method verification (ACH setup, recurring payments)
- Loan disbursements & high‑value payouts
- Insurance claim payments
- Vendor and supplier payments
- Fallback verification when credentialed login fails
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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