Getting Started

Link Money uses an additional portal called flow to allow developers to initiate and verify microdeposits for users who wish to manually verify their accounts. This guide assumes that you have already followed the Link Money Quickstart Guide.

Following this guide, you will:

  1. Initiate a microdeposits verification request.
  2. Grab and save the microdeposit ID from the Link Money callback data.
  3. Verify a microdeposits request and pull verification data.

What Are Microdeposits?

Microdeposits are a series of three small transactions (2 deposits and one withdrawal) of unspecified amounts that are sent to an account via a user-entered routing and account number pair. To initiate a verification, users must provide the routing and account number of the account they want verified. To complete the verification, the user must enter the correct amounts for each microdeposit that was made to their account. After they have completed these steps, verification data will be available for their account.

1. Open the Gateway with the Microdeposit Flow

To start a micro-deposit verification, you may open the Link Money Gateway as you ordinarily do. You must provide one additional parameter, flow, which must be set to initiateMicroDeposits. This will force the Link Money Gateway to automatically open the Microdeposit verification flow.

let linkMoneyGatewayUri = `https://linkmoney-gateway-dev.fingoal.com/api/authenticate?token={YOUR_TOKEN}&flow=initiateMicroDeposits`;

<iframe src=linkMoneyGatewayUri></iframe>

As the Initiate Microdeposit screen appears, you will be required to enter the Routing Number and Account Number.

Initiate Micro Deposits.PNG

Once the data is entered, the next screen appears showing that verification has started.

As soon as the user hits the close button, you will receive microDepositId, completedFlow and events as response from the page.

Verification Started.PNG

2. Capture the Callback Data from the Gateway.

When the user is finished entering their account and routing number into the gateway, Link Money will emit a microDepositId which you must save. This numeric ID will be required to open the gateway during the verification step. We recommend preserving the microDepositId in your datastore, as several days can elapse between the initialization and verification steps in the microdeposit flow.

window.addEventListener('message', function(event) {
	  if (event.origin !== '<https://linkmoney-gateway-webapp-dev.herokuapp.com>') {
	      return;
	  }
	  const messageAsString = String(event.data).replace("event ", "").trim();
		const messageAsJson = JSON.parse(messageAsString);
		const { events, microDepositId, completedFlow } = messageAsJson;
		// preserve the microDepositId
	}, false);