Micro-deposit verification for ACH and PAD donations

When micro-deposits are used

Micro-deposits are used for bank transfer payment methods where supporters manually enter their bank account information instead of signing in to their bank. This applies primarily to ACH US Direct Debit and Pre-authorized debit in Canada transactions.

How micro-deposits work

Stripe uses one of the following verification methods:

• Amount-based micro-deposits

  Two small deposits, usually less than $1, are sent to the supporter’s bank account. The statement descriptor appears as ACCTVERIFY.

• Descriptor code-based micro-deposit

  A single small deposit is sent with a unique 6-digit code at the beginning of the statement descriptor.

Micro-deposits typically appear in the supporter’s bank account within 1–2 business days, although some banks may take slightly longer.

How supporters complete verification

Once the micro-deposits appear, supporters must confirm their bank account by entering either the two deposited amounts or the 6-digit descriptor code. Verification can be completed using the Verify amounts button in the Stripe email or through the Donor Portal.

Supporters have a limited number of attempts to complete verification:

• Amount-based verification allows up to 3 attempts
• Descriptor-based verification allows up to 10 attempts

After successful verification, the donation or recurring payment proceeds.

If micro-deposits don’t appear

If a supporter reports that they have not received micro-deposits, allow at least 1–2 business days before taking further action. Supporters should carefully review their bank statement for either two small deposits labeled ACCTVERIFY or a single deposit containing a 6-digit code.

If no micro-deposits appear after several days, Stripe Support can review the case. Providing Stripe with a bank statement showing no micro-deposits may be required for manual verification.