---
title: "Initiaite Matching Service and Challenge Deposit"
method: POST
path: "/verification"
tags: ["Verification"]
---

# Initiaite Matching Service and Challenge Deposit

`POST /verification`

The post verification service is used to initiate the matching service (MS) and the challenge deposit account verification (CDV) process to verify account ownership.<br>The MS and CDV process can verify ownership of only bank accounts (i.e., checking and savings).<br>The MS verification can be initiated only for an already aggregated account or a providerAccount.<br>The prerequisite for the MS verification process is to request the ACCT_PROFILE dataset with the HOLDER_NAME attribute.<br>In the MS verification process, a string-match of the account holder name with the registered user name is performed instantaneously. You can contact the Yodlee CustomerCare to configure the full name or only the last name match.<br>Once the CDV process is initiated Yodlee will post the microtransaction (i.e., credit and debit) in the user's account. The CDV process takes 2 to 3 days to complete as it requires the user to provide the microtransaction details.<br>The CDV process is currently supported only in the United States.<br>The verificationId in the response can be used to track the verification request.<br><br><b>Notes:</b><li>This endpoint cannot be used to test the CDV functionality in the developer sandbox or test environment. You will need a money transmitter license to implement the CDV functionality and also require the Yodlee Professional Services team's assistance to set up a dedicated environment.

## Request body

- VerificationRequest
  - `verification` Verification, required
    - `accountId` integer — Unique identifier for the account.<br><br><b>Endpoints</b>:<ul><li>POST verification</li><li>GET verification</li><li>PUT verification</li></ul>
    - `reason` 'DATA_NOT_AVAILABLE' | 'ACCOUNT_HOLDER_MISMATCH' | 'FULL_ACCOUNT_NUMBER_AND_BANK_TRANSFER_CODE_NOT_AVAILABLE' | 'FULL_ACCOUNT_NUMBER_NOT_AVAILABLE' | 'BANK_TRANSFER_CODE_NOT_AVAILABLE' | 'EXPIRED' | 'DATA_MISMATCH' | 'INSTRUCTION_GENERATION_ERROR' — The reason the account verification failed.<br><br><b>Endpoints</b>:<ul><li>POST verification</li><li>GET verification</li><li>PUT verification</li></ul>
    - `verificationStatus` 'INITIATED' | 'DEPOSITED' | 'SUCCESS' | 'FAILED' — The status of the account verification.<br><br><b>Endpoints</b>:<ul><li>POST verification</li><li>GET verification</li><li>PUT verification</li></ul><br><b>Applicable Values</b>
    - `providerAccountId` integer — Unique identifier for the provider account.<br><br><b>Endpoints</b>:<ul><li>POST verification</li><li>GET verification</li><li>PUT verification</li></ul>
    - `verificationType` 'MATCHING' | 'CHALLENGE_DEPOSIT' — The account verification type.<br><br><b>Endpoints</b>:<ul><li>POST verification</li><li>GET verification</li><li>PUT verification</li></ul><br><b>Applicable Values</b>
    - `account` VerificationAccount
      - `accountName` string
      - `accountType` 'SAVINGS' | 'CHECKING', required
      - `accountNumber` string, required
      - `bankTransferCode` VerificationBankTransferCode, required
        - `id` string — The FI's branch identification number.Additional Details: The routing number of the bank account in the United States. For non-United States accounts, it is the IFSC code (India), BSB number (Australia), and sort code (United Kingdom). <br><b>Account Type</b>: Aggregated<br><b>Applicable containers</b>: bank, investment<br><b>Endpoints</b>:<br><ul><li>GET accounts</li><li>GET accounts/{accountId}</li><li>POST verification</li></ul>
        - `type` 'BSB' | 'IFSC' | 'ROUTING_NUMBER' | 'SORT_CODE' — The bank transfer code type varies depending on the region of the account origination. <br><b>Account Type</b>: Aggregated<br><b>Applicable containers</b>: bank, investment<br><b>Endpoints</b>:<br><ul><li>GET accounts</li><li>GET accounts/{accountId}</li><li>POST verification</li></ul><b>Applicable Values</b><br>
    - `verificationDate` string — The date of the account verification.<br><br><b>Endpoints</b>:<ul><li>POST verification</li><li>GET verification</li><li>PUT verification</li></ul>
    - `verificationId` integer — Unique identifier for the verification request.<br><br><b>Endpoints</b>:<ul><li>POST verification</li><li>GET verification</li><li>PUT verification</li></ul>

## Response `200`

OK

## Other responses

- `400` — Y901 : Service not supported<br>Y812 : Required field/value - verification.verificationType missing in the verificationParam<br>Y812 : Required field/value - accountNumber missing in the verificationParam<br>Y812 : Required field/value - accountType missing in the verificationParam<br>Y812 : Required field/value - bankTransferCode missing in the verificationParam<br>Y812 : Required field/value - bankTransferCode.id missing in the verificationParam<br>Y812 : Required field/value - bankTransferCode.type missing in the verificationParam<br>Y800 : Invalid value for verification.verificationType<br>Y800 : Invalid value for verificationParam<br>Y800 : Invalid value for bankTransferCode.type<br>Y800 : Invalid value for bankTransferCode.id<br>Y800 : Invalid value for accountType<br>Y800 : Invalid value for accountId<br>Y813 : Account details should be provided<br>Y801 : Invalid length for accountNumber<br>Y835 : Account(s) not eligible for Challenge Deposit verification<br>Y806 : Invalid Input<br>Y840 : Verification has been initiated already<br>Y837 : Account has been verified already
- `401` — Unauthorized
- `404` — Not Found

---

[API](https://skmtc.net/yodlee/apis/yodlee-core-apis.md) · [All operations](https://skmtc.net/yodlee/apis/yodlee-core-apis/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/yodlee/yodlee-core-apis/revisions/3bc0042deba8/schema)