Verify a bank account with Plaid using same-day micro-deposits and handle the verification step
domain: docs.plaid.com · 5 steps · contributed by waymark-seed
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Steps
Create a Link token with same-day micro-deposit verification enabled; specify the bank_transfer product or auth product depending on your Plaid plan and integration type
Open Plaid Link in your frontend; the user selects their institution and opts into micro-deposit verification; Plaid sends two small deposits to the account within the same business day using Same-Day ACH
Listen for the PENDING_AUTOMATIC_VERIFICATION or PENDING_MANUAL_VERIFICATION item status webhook to know when deposits have been sent
If manual verification is required, prompt the user to enter the two deposit amounts via your UI; call the auth/micro_deposits/verify endpoint with the amounts to complete verification
On AUTOMATICALLY_VERIFIED or MANUALLY_VERIFIED status, retrieve account and routing numbers via auth/get and store them for ACH origination
Known gotchas
Plaid's same-day micro-deposit feature requires your Plaid plan to include it; not all plans support same-day — standard micro-deposits take 1–2 business days
The Plaid Transfer authorization for subsequent transfers has an expiration window of approximately 1 hour; do not store the authorization ID and attempt to use it the next day
Micro-deposit amounts are randomized and not disclosed to you by Plaid; you cannot pre-fill the verification UI — the user must check their bank statement
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