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Making an ACH (bank transfer) payment using micro-deposit verification

Occasionally a bank isn't available for instant verification but you can still make a quick, secure ACH payment using micro-deposit verification

Written by Kelly Beeby

Stripe supports instant verification for approximately 5,000 financial institutions in the US (that's 97% of all US bank accounts) but for instances when a bank account cannot be linked instantly, Stripe and RPC support standard verification.

How to Make a Payment Using Stripe Micro-Deposit Verification

If you cannot link your bank account instantly or would prefer to pay an invoice using manual verification, you can easily connect your account through Stripe using micro-deposit verification. Stripe will verify your bank account using a small micro-deposit. Micro-deposit verification is a simple security step that confirms your bank account before you make your payment.

Step 1: Create Your Free Rock Paper Coin Account

If you don't already have a Rock Paper Coin account, sign up for free here. Sign-up only takes a couple of moments. Be sure to select "Client" when setting up your account.

Step 2: Add Your Bank Account

  • Once you've created your account, go to your My Wallet page (click the top-right icon)

  • Select the US Bank Account option and click "Enter bank details manually"

  • Enter the required information

Step 3: Wait for Your Micro-Deposit

  • After adding your bank account, Stripe will send a small micro-deposit to your bank account

  • It can take 1–2 business days for the deposit to appear. Keep an eye on your bank account so you can access the information you'll need for verification

Step 4: Verify Your Bank Account

  • Once your micro-deposit has been sent, you'll receive an email from Stripe with a link to verify your bank account

  • Click the link in the Stripe email and follow the instructions. You'll be asked to enter the information shown in your bank account related to the micro-deposit

  • Once you've entered the requested information, Stripe will verify your bank account

Step 5: Go to Your Invoice and Make Your Payment

  • Now that your bank account is verified, return to your Rock Paper Coin account and open the invoice you'd like to pay

  • Select the installment(s) to pay

  • Select ACH/Bank Account as your payment method and choose the bank account you previously added to your wallet

  • Click Pay

  • Tada 🎉 Your payment will be processed through Stripe using your verified bank account

Can I use a business bank account for manual verification?

Yes. Business bank accounts are accepted for manual (and instant verification)

Questions?

If you have trouble connecting or verifying your bank account, make sure you've completed each step above. If you've received the Stripe verification email, be sure to use the link provided in that email to complete the verification process. Our team is available to answer any questions via email ([email protected]) or chat us using the green icon on the bottom of your screen

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