Validate External Account

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Overview

Validate an external account to reduce ACH returns and mitigate fraud. Ahrvo supports three validation types:

Validation Type	What It Does	Processing Time
Prenote	Sends a $0 test credit; live transactions permitted after 3-business-day window.	~3 business days
EWS	Real-time check of account status and recent returns.	Instant
Micro-deposit	Sends 1–2 small credits; customer must confirm the amounts. System later debits the same total.	~3 business days

System Rule – An external account can be validated either by Prenote or Micro-deposit (not both simultaneously). EWS can be combined with either method.

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Resource Access

Production (api.ahrvo.network)

POST https://api.ahrvo.network/banking/us2/v1/customer/id/{customerId}/externalAccount/id/{externalAccountId}/validate

Staging (gateway.ahrvo.network)

POST https://gateway.ahrvo.network/banking/us2/v1/customer/id/{customerId}/externalAccount/id/{externalAccountId}/validate

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Arguments

Field	Mandatory?
validateAccount.ews	Yes
prenote	Yes
microDeposit	Yes

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Example Request (production) — validate using EWS with Prenote fallback

POST /banking/us2/v1/customer/id/4052981/externalAccount/id/2/validate HTTP/1.1
Host: api.ahrvo.network
Authorization: Bearer {jwtToken}
x-api-key: {apiKey}
Content-Type: application/json

{
    "validateAccount": [
        { "ews": true }
    ],
    "prenote": "ON_FAILURE",
    "microDeposit": "NEVER"
}

(For staging, replace api.ahrvo.network with gateway.ahrvo.network in the Host header and URL.)

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Example Response

HTTP/1.1 200 OK
Content-Type: application/json

{
    "validateAccount": [
        {
            "ews": {
                "status": "PENDING",
                "statusReason": "PENDING",
                "statusDate": "05/11/2023 18:19:03"
            }
        }
    ],
    "prenote": {
        "prenoteValidation": "ON_FAILURE"
    },
    "microDeposit": {
        "microDepositValidation": "NEVER"
    }
}

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