ACH bank account verification

When a client adds a bank account manually for ACH payment, Stripe verifies that the client owns the account before allowing payment. This article explains how that verification works and how TaxDome Payments firms can allow clients to skip it.

How microdeposit verification works

Microdeposit verification is triggered when a client enters bank details manually—either because their bank is not supported for instant verification or they prefer not to log in through their bank. It only works for US bank accounts and is not available for same-day or instant ACH.

1. The client enters their routing number and account number (entered twice to confirm).

2. Once the account is added, Stripe sends a confirmation email that the verification process has started.

3. Stripe sends a second email with a verification link. Two small deposits are also sent to the bank account. Both arrive within 1–2 business days. These deposits are not refunded—they will remain in the account.

4. The client clicks the verification link and enters the two deposit amounts shown in their bank statement to complete verification.

The client has 10 days to complete verification before the session expires. If the session expires, the client must restart the bank account setup flow. After 3 failed verification attempts, the account is permanently locked and the client must re-add their bank account.

Note

When a client signs a proposal or recurring invoice and has entered their bank details manually, automatic payments are not charged until the bank account is verified with microdeposits. It is expected that no payment attempts will appear in Stripe while the bank account is in a pending verification state.

After the client finishes payment, Stripe sends the information to the bank and waits for approval. The payment status remains Verifying payment or Incomplete until the payment goes through.

For common issues with microdeposit verification, see Payment issues & troubleshooting .

Allow clients to skip verification

TaxDome Payments firms can allow clients to add bank accounts by entering account and routing numbers manually—without microdeposit verification or direct bank login. This can be done only by a firm owner or admin.

1. Go to Settings > Integrations and open the Payments tab.

2. In the Manual bank account entry section, check Allow clients to add bank accounts without verification.

3. Click Save.

Attention

By enabling manual entry, your firm is responsible and liable for returned payments, disputes, and losses from incorrect or fraudulent account details.

Each change to this setting is recorded in the Activity feed . When enabled, clients entering bank details in the client portal or mobile app can pay immediately—microdeposit verification is skipped.

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