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Seamless Bank Authentication

Covering 100% of banks with instant verification & micro-deposits

auth api docs

Instantly Authenticate Accounts

Account authentication is an important part of onboarding workflows and initiating payments and transfers.

With Quovo’s Authentication API, you can instantly access key account data to verify account ownership, facilitate payments and transfers, and autopopulate forms – streamlining the process of opening and funding new accounts.

Micro-deposits, Verified Automatically

Prefer micro-deposits to authenticate accounts? Gone are the days of customers returning to verify test deposits, or even worse, not returning at all.

Our patent-pending, API-delivered Autoverified Micro-deposits (AVMs) couple account aggregation with micro-deposits to seamlessly parse transaction history and automatically confirm that the test deposits have entered the specified account, simplifying the onboarding experience and reducing client drop-off.

Expansive Authentication Coverage

Don’t limit your addressable market! Between Instant Authentication and Autoverified Micro-deposits, Quovo can authenticate account ownership across thousands of institutions.

With our multiple authentication methods, financial services providers, from fintech to enterprise, can deliver user experience-friendly account verification, client onboarding, and ACH transactions.