Micro-Deposits

Prerequisites

• Customer: you need their user_id in Paynote (via Create a Customer)
• Webhooks: listener for funding-source events (e.g. Pending → Verified) (docs.paynote.io)

Flow Overview

1. Create Funding Source (Unverified)
2. Send Micro-Deposits
3. Verify Micro-Deposits
4. (Optional) Hosted Verification Redirect

1. Create Funding Source (Unverified)

POST https://{env}-paynote.seamlesschex.com/v2/funding-source
Authorization: Bearer sk_{YOUR_KEY}
Content-Type: application/json

{
  "user_id": "usr_abc123",
  "routing_number": "021000021",
  "account_number": "000123456789",
  "account_type": "checking",
  "nickname": "Main Checking"
}

• Returns funding_source_id with status Pending (docs.paynote.io)

2. Send Micro-Deposits

POST https://{env}-paynote.seamlesschex.com/v2/funding-source/initiate/verification
Authorization: Bearer sk_{YOUR_KEY}
Content-Type: application/json

{
  "funding_source_id": "fs_123abc"
}

• Sends two small deposits to the customer’s bank (arrive in 1–2 business days) (docs.paynote.io)

3. Verify Micro-Deposits

POST https://{env}-paynote.seamlesschex.com/v2/funding-source/verify
Authorization: Bearer sk_{YOUR_KEY}
Content-Type: application/json

{
  "funding_source_id": "fs_123abc",
  "amounts": [0.12, 0.15]
}

• Submit the exact deposit amounts → status updates to Verified (docs.paynote.io)

4. Hosted Verification Redirect (Optional)

Let customers enter amounts in a Paynote-hosted modal instead of your own UI:

https://paynote.seamlesschex.com/#/bank-account/{PUBLIC_KEY}/{USER_ID}/{FUNDING_SOURCE_ID}?successUrl={SUCCESS_URL}&cancelUrl={CANCEL_URL}

• Replace placeholders with your values
• Successful entry fires your webhook with status Verified (docs.paynote.io)

After Verification

Once your funding source is Verified, you can immediately:

• Debit the account: Create a Direct Debit
• Credit the account: Create a Direct Credit
• Subscribe: Create a Subscription

Summary

1. Link bank account → get funding_source_id
2. Send micro-deposits → wait for deposits
3. Verify amounts → status becomes Verified
4. (Optional) Use hosted UI for deposit entry

This consolidated flow ensures only verified accounts get charged—and gives your customers a smooth ACH onboarding experience.