micro-deposits

Validating accounts is often done with two small credits submitted to a bank account and those amounts verified by a user. The experience can be improved by originating same-day batches so the amounts settle quickly. To implement this submission of ACH files with a shard key of micro-deposit could be used and configured for your ODFIs Same-Day processing windows.

The following are entry detail records you could create and submit to ACHGateway:

Entry Type	Bank Account	Amount (in cents)
Debit	Your Company Checking	7
Credit	Customer Checking	3
Credit	Customer Checking	4

Putting those EntryDetail records into a CCD or WEB batch:

Batch Number	SEC Code	Service Class Code	Company Name	Identification	EntryDescription	EffectiveEntryDate
1	WEB	200 (Mixed Debits and Credits)	Your Startup	CORPTESTER	Acct Verify	220627