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Micro Debit/Credit Account Validation

Docs > Payments > Payments > Micro Debit/Credit Account Validation

Overview

This page describes micro debit/credit account validation handling with virtual accounts.

The ACH Debit Block - Threshold configuration may be used to allow small debits to facilitate the full account verification step performed by banks.

It should be noted that the Automatic Sweep configuration should not be set on virtual accounts if micro debits need to be permitted. This is because the Automatic Sweep moves funds deposited into a virtual account immediately when they are deposited, so they are not available for the subsequent inbound ACH Debit micro transaction.

There are two options to allow micro deposits/debits.

Manual Book Transfers

Do not use any Sweep configuration and instead initiate a book transfer after all inbound deposits of all payment types to virtual accounts. See steps below:

  1. Listen for webhooks for Inbound ACH credit transactions above desired threshold value ($2 for example), anything below take no action so funds remain in virtual account. This will mean funds are available for inbound debits.
  2. For ACH transactions above $2, and all other payment method deposits of any value initiate a book transfer to move that amount to the FBO.
  3. Edge case - if the ACH debit posts first it would mean funds are pulled from the FBO to the virtual account. This would need to be corrected either manually or through a recovery job (poll balances EOD and move any positive balances) to virtual accounts as needed:
    1. Call list account endpoint to check balances
    2. Book transfer from the FBO to virtual account restore the $0 balance

Scheduled Sweep

Configured scheduled sweep for all virtual accounts to sweep 6pm ET each day. See steps below:

  1. Listen for webhooks for Inbound ACH transactions above a value ($2 for example) and ignore
  2. Micro debits and credits can come in and out throughout the day
  3. End of day whatever funds are in the VAs sweep to the FBO per the Scheduled Sweep configuration
  4. Edge case - if the debit comes in and takes a Virtual Account negative it’ll pull funds from the FBO to fund it back to zero. The ACH credit that comes in after would take the virtual account positive again and would sweep funds back to zero at the configured time (self recovering)
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Last updated Fri Aug 7 2026