# JPMC-PDP Documentation from https://developer.payments.jpmorgan.com

# Perform micro-deposits

In this tutorial, you will learn how to perform micro-deposits. By the end of this tutorial, you will know how to:

- Validate the account status based on actual transactions.

- Validate the account status and confirm owner’s access based on actual transactions.

- Understand the test types for micro-deposits.

- Understand required and optional parameters for each micro-deposit test type.

## Before you begin

To retrieve a validation services request status, you will need the following:

- A [registered and fully onboarded](/docs/quick-start) Developer Account on the J.P. Morgan Payments Developer Portal.

- An active project that provides you with the credentials to make a request.

## Callback

To enable receiving micro-deposit responses, you need to register your [callback URL](/api/authentication#add-callback-url-and-certificates).

## Validate account status using micro-deposits

This service uses low-dollar-value transactions to validate the accounts requested by the client. There are two types of tests for micro-deposits:

### Penny test flow

Verify account status using the penny test.

1. The client initiates a validation request with Account Validation Services (AVS).

2. AVS waterfalls the request through multiple data sources for a validation response.

3. If the initial data sources do not validate the request, AVS forwards the request to the micro-deposit services for further verification.

4. Micro-deposit services initiate a few dollar-value transactions with the requested bank account. The client is informed with a real-time response when the request moves to micro-deposit services for further verification.

5. The client receives a callback response within 5 days, indicating the system is “Ready for Validation”.

### Challenge test flow

A challenge test is used to validate the account status (verification) and confirm the owner’s access to the account.

1. The client initiates a validation request with AVS.

2. AVS waterfalls the request through multiple data sources for a validation response.

3. If the initial data sources do not validate the request, AVS forwards the request to micro-deposit services for further verification.

4. Micro-deposit services initiate a few dollar-value transactions with the requested bank account. The client is informed with a real-time response when the request moves to micro-deposit services for further verification.

5. The client receives a callback response within 5 days, indicating the system is “Ready for Validation”.

6. The client resends the initial validation request and two deposit amounts to AVS.

7. The client receives a real-time response with the verification and access confirmation.

## Example request and response for a penny test

The Account status validation process evaluates a bank account to determine if the account number is in good standing. To do this, call a `POST` request to the `v2/validations/accounts` endpoint. The following example shows the required fields for an Account verification request. 

```json
[
  {
    "requestId": "223e4567-e89b-12d3-a456-426614174000",
    "profileName": "verificationauth",
    "account": {
      "accountNumber": "12345",
      "financialInstitutionId": {
        "clearingSystemId": {
          "id": "122199983",
          "idType": "ABA"
        }
      }
    },
    "entity": {
      "individual": {
        "firstName": "Jane",
        "lastName": "Abbot",
        "fullName": "Jane Abbot"
      }
    },
    "transactions": []
  }
]
```

You will receive a successful response containing the acknowledgement for the penny test.

```json
[
  {
    "requestId": "223e4567-e89b-12d3-a456-426614174000",
    "responses": [
      {
        "codes": {
          "verificationMicroDeposit": {
            "code": 8906,
            "message": "Initiated"
          }
        },
        "provider": "MICRODEPOSITS"
      }
    ]
  }
]
```

You will receive a successful response containing the callback for the penny test validation. 

```json
[
  {
    "requestId": "10082023-TEST-MD-0001",
    "profileName": "verificationauth",
    "responses": [
      {       
          "codes": {
            "verificationMicroDeposit": {
            "code": 1006,
	    "message":"Open Valid"
            } 
         },
        "provider": "MICRODEPOSITS",
         "details" : {
          "providerResponse" : {
            "retry-count" : 0,
            "md-notification" : "Validation Complete"
          }
        }
      }
    ]
  }
]
```

## Example request and response for challenge test

Account status validation uses a challenge test to validate the account status by verifying the owner’s access to the account. To do this, call a `POST` request to the `v2/validations/accounts` endpoint. The following example shows the required fields for an Account verification request. 

```json
[
  {
    "requestId": "123e4567-e89b-12d3-a456-426614174000",
  "profileName": "verificationauth",
    "account": {
      "accountNumber": "123456789",
      "financialInstitutionId": {
        "clearingSystemId": {
          "id": "223344556",
          "idType": "ABA"
        }
      }
    },
    "entity": {
      "organization": {
        "name": "John Smith & Sons"
      }
    }
    "transactions": [
        {
          "context": "ACCOUNT_VALIDATION",
          "amount": {
              "amount": 0.03,
              "currency": "USD"
           }
        },
        {
          "context": "ACCOUNT_VALIDATION",
          "amount": {
              "amount": 0.14,
              "currency": "USD"
           }
        }
    ]
  }
]
```

You will receive a successful response containing the challenge test acknowledgement. 

```json
[
  {
    "requestId": "223e4567-e89b-12d3-a456-426614174000",
    "profileName": "verificationauth",
    "responses": [
      {
        "codes": {
          "verificationMicroDeposit": {
            "code": 1006,
            "message": "Open Valid"
          },
          "authenticationMicroDeposit": {
            "code": 8006,
            "message": "Access Confirmed"
          }
        },
        "provider": "MICRODEPOSITS"
      }
    ]
  }
]
```

You will receive a "Ready for Validation” response for your challenge test. 

```json
[
  {
    "requestId": "10082023-TEST-MD-0001",
    "profileName": "verificationauth",
    "responses": [
      {       
          "codes": {
            "verificationMicroDeposit": {
            "code": 8906,
	    "message":"Initiated"
            } 
         },
        "provider": "MICRODEPOSITS",
         "details" : {
          "providerResponse" : {
            "md-notification" : "Ready for validation”,
            "retry-count" : 0
          }
        }
      }
    ]
  }
]
```

## Example request and response for challenge test

The Account status validation process evaluates a bank account to determine if the account number is in good standing. To do this, call a `POST `request to the `v2/validations/accounts` endpoint. The following example shows the required fields for an Account verification request. 

```json
[
  {
    "requestId": "123e4567-e89b-12d3-a456-426614174000",
    "profileName": "verificationauth",
    "account": {
      "accountNumber": "123456789",
      "financialInstitutionId": {
        "clearingSystemId": {
          "id": "223344556",
          "idType": "ABA"
        }
      }
    },
    "entity": {
      "individual": {
        "firstName": "Jane"
        "lastName": "Doe"
      }
    }
    "transactions": [
        {
          "context":"DEPOSIT",
          "amount": {
              "amount": 0.01,
              "currency": "USD"
           }
        },
        {
          "context":"DEPOSIT",
          "amount": {
              "amount": 0.18,
              "currency": "USD"
           }
        }
    ]
  }
]
```

You will receive a validation response for your challenge test.

```json
[
  {
    "requestId": "10082023-TEST-MD-0001",
    "responses": [
      {       
         "codes": {
            "verificationMicroDeposit": {
            "code": 1006,
	    "message":"Open Valid"
            },
         "authenticationMicroDeposit": {
            "code": 8006,
	    "message":"Access Confirmed"
            }
        },
	 "provider":"MICRODEPOSITS"
      }
    ]
  }
]
```

## Micro-deposit service details

To incorporate a challenge request into the micro-deposit request, include required fields, plus the following fields.

- transactions.context

- transactions.amount

- transactions.currency

## Related

- For more information about parameters, see [Account Validation parameters](/docs/fraud-solutions/validation-services/capabilities/account-validation/account-validation-parameters).

- For more information about the status responses and error codes supported by the Validation Services API, see [Validation Services error response codes](/api/fraud-solutions/validation-services/error-codes).

## Next steps

Learn how to [request Account Confidence Score](/docs/fraud-solutions/validation-services/capabilities/account-validation/how-to/account-confidence-score).