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‹Bank Data

Microdeposits

Confirm account ownership with two small deposits, instantly over RTP or in a few days over ACH, no bank login required.

Start using PayOS, pay per use. No sales call required.

What your customer actually sees.

Two RTP deposits land in seconds. The customer types them back and is verified in the same session.

9:41
yourapp.com · add bankYour app
Routing number
021000021
Account number
•••• 8842
!Instant check: AMBER · second proof needed
9:41
meridianbank.com · activityTheir bank
Just now · seconds ago
RTP DEPOSIT+$0.32
RTP DEPOSIT+$0.17
PAYROLL ACME+$2,150.00
9:41
yourapp.com · confirmYour app
Amount 1
$0.32
Amount 2
$0.17
Verify account
Ownership verified · same session

100% real-time verification, while your customer is still there.

The whole loop closes in one sitting. No bank login. No waiting days. No abandoned signup.

Deposits arrive in seconds over RTP
Verified while the consumer is present
No bank login or credentials required
One session · start to verified
0:00Customer adds routing + account
0:04Two RTP deposits land at their bank
0:31Customer types the two amounts back
0:32Ownership verified ✓

Instant when it can be, reliable when it must be.

Two small deposits prove control of the account. PayOS picks the fastest rail for that bank.

Instant
RTP microdeposits
Deposits land in seconds over real-time rails, so the customer can confirm and finish in the same session.
Confirmed in seconds
Fallback
ACH microdeposits
When a bank has no real-time rail, PayOS falls back to ACH deposits that settle in one to three business days.
Settles in 1 to 3 days
Why PayOS makes it seamless
Because PayOS already knows the routing number and that bank real-time reach, it routes straight to instant RTP whenever it exists, so most customers verify in seconds instead of waiting days.
How microdeposit verification works
01
Signal uncertain
A real-time check comes back Amber, so ownership needs a second proof.
→
02
Two small deposits
PayOS sends two micro-amounts to the account, instant RTP or ACH.
→
03
Customer confirms
They read the exact amounts and enter them back to prove control.
→
04
Ownership verified
The account is confirmed and cleared to move money.

RTP vs ACH: it is not just speed.

The rail decides the wait, and what your customer lives through during it.

RTP microdeposits
ACH microdeposits
Speed
Verified in the same session.
1–3 days, then the customer must return.
Conversion
One sitting. Nothing to abandon.
Every waiting day sheds users.
Customer service
Almost no tickets.
“Where are my deposits?” for days.
Experience
One screen, two amounts, done.
Feels like paperwork.
When it applies
Any RTP-reachable bank; tried first.
The safety net. Always works.
PayOS tells you upfront whether a routing number is RTP-enabled, before any deposits go out, so the real-time rail is tried first and ACH is only the fallback.

Prove ownership without the wait.

The same check fits onboarding, recurring billing, payouts and risk step-ups.

Onboarding
Verify in one session.
Recurring debits
Prove control before the first pull.
Payouts
Confirm the destination first.
Step-up
Only when a check comes back Amber.

Verification that protects your funnel.

Fast when it can be, reliable always, four ways it protects your funnel.

Instant whenever possible
Real-time rails confirm in seconds, so most users never wait.
Always a path forward
ACH fallback means every US bank can still be verified.
Higher completion
No multi-day gap where customers forget to come back.
Real proof of control
Only the true account holder can read and confirm the amounts.