#Veiga-verify-customer-bank
hollow bluff
Hey there 👋 just want to make sure we're on the same page, you're asking how to verify your customer's bank account?
uneven plover
Hi Toby, yes.
Because using a custom flow we thought it will happen automatically, but no.
So when we reach the support they mention that Stripe has this feature but not available in the custom flow. So my question is what is the other possible ways to do this verification.
hollow bluff
We have two options for verifying a customer's bank account, either via Plaid or microdeposits.
https://stripe.com/docs/ach#verifying
uneven plover
I'm looking to it, so if I create an account in my platform with your personal information, and after that I tied my personal banking account, stripe will be able to identify and say "Hey, that is not the Toby's Banking Account" using plaid or stripe? Or it just make sure that exists some banking account?
hollow bluff
I'm not exactly certain how Plaid works, but my understanding is that it verifies account ownership by requiring the customer to log in though I'm not certain how much name match validation occurs.
The microdeposit route checks ownership by ensuring the customer can accurately see the amounts of the two deposits that get made.
uneven plover
I got, I'm reading the documentations but other questions came, when I do a microdeposit the amount is charged from me? Can I "auto-refund" it after the validation process?
hollow bluff
I'm pretty sure they come from us (Stripe) and are recovered after the verification flow is completed (successfully or not), but let me double check that.
hollow bluff
Yup, the funds for those micro deposits come from Stripe.
uneven plover
Amazing, thank you Toby