> ## Documentation Index
> Fetch the complete documentation index at: https://docs.methodfi.com/llms.txt
> Use this file to discover all available pages before exploring further.

# The account verification sessions endpoint

export const get_common_parameters = (resource_name = 'resource') => {
  return {
    id: {
      name: 'id',
      type: "string",
      required: false,
      description: `Unique identifier for the ${resource_name}.`
    },
    entity_id: {
      name: 'entity_id',
      type: 'string',
      required: false,
      description: 'The ID of the associated Entity.'
    },
    account_id: {
      name: 'account_id',
      type: 'string',
      required: false,
      description: 'The ID of the associated Account.'
    },
    error: {
      name: 'error',
      type: 'object | null',
      required: false,
      description: <>
          An object representing an error that occurred while processing
          this {resource_name}. See <a href={`/reference/errors/${resource_name.replace(/^([A-Z])/, function (match) {
        return match.toLowerCase();
      }).replace(/([A-Z])/g, function (match) {
        return "-" + match.toLowerCase();
      })}-errors`}>{resource_name} errors</a>.
        </>
    },
    status_error: {
      name: 'status_error',
      type: 'object | null',
      required: false,
      description: <>
          An object representing an error that occurred while processing
          this {resource_name}. See <a href="/reference/errors/product-errors#status-errors">{resource_name} errors</a>.
        </>
    },
    metadata: {
      name: 'metadata',
      type: 'object | null',
      required: false,
      description: <>
          Additional data provided during creation.
          See <a href="/reference/metadata">metadata</a>
        </>
    },
    created_at: {
      name: 'created_at',
      type: 'string',
      required: false,
      description: `Timestamp of when the ${resource_name} was created.`
    },
    updated_at: {
      name: 'updated_at',
      type: 'string',
      required: false,
      description: `Timestamp of when the ${resource_name} was last updated.`
    },
    status: (enums = []) => ({
      name: 'status',
      type: 'enum',
      required: false,
      description: `Status of the ${resource_name}.`,
      enums
    }),
    type: (enums = []) => ({
      name: 'type',
      type: 'enum',
      required: false,
      description: `The type of ${resource_name}.`,
      enums
    })
  };
};

export const ParamList = ({items = [], is_child = false}) => {
  return items.map(item => {
    const field_props = {
      id: Math.random().toString(),
      body: item.name,
      name: item.name,
      type: item.type,
      required: item.required
    };
    const enums = item.enums || [];
    const items = item.items || [];
    const has_items = items?.length > 0;
    const has_enums = enums?.length > 0;
    const should_default_open = item.defaultOpen || false;
    const render_child_item = () => {
      const child_props = {
        title: has_enums ? "Possible enum values" : "properties"
      };
      if (should_default_open) child_props.defaultOpen = true;
      const has_inline_enums = has_enums && enums.every(enum_item => typeof enum_item === 'string') && enums.map((enum_item, idx) => {
        const is_last = idx === enums.length - 1;
        const is_2nd_to_last = idx === enums.length - 2;
        return <>
            <code>{enum_item}</code>
            {is_last && ''}
            {is_2nd_to_last && ' or '}
            {!is_last && !is_2nd_to_last && ', '}
          </>;
      });
      const enum_list = has_enums && !has_inline_enums && <Accordion {...child_props}>
          {enums.map((enum_item, index) => <div key={`enum-${index}`}>
              <code>{enum_item.name}</code>
              <br />
              <p>{enum_item.description}</p>
            </div>)}
        </Accordion>;
      const item_list = has_items && <Expandable {...child_props}>
          <ParamList items={items || []} is_child />
        </Expandable>;
      return <>
          <p>
            {item.description}
            {has_inline_enums && [has_inline_enums.length > 1 ? ' One of ' : ' Must be ', ...has_inline_enums]}
          </p>

          {enum_list}
          {item_list}
        </>;
    };
    return is_child ? <ResponseField {...field_props}>{render_child_item()}</ResponseField> : <ParamField {...field_props}>{render_child_item()}</ParamField>;
  });
};

The account verification manages required verification to enable products for ACH or Liability accounts.

For example, ACH Accounts require a verified AccountVerificationSession before they can be used as a source for Payments.

## AccountVerificationSession Objects

<ParamList
  items={[
(get_common_parameters('AccountVerificationSession').id),
(get_common_parameters('AccountVerificationSession').account_id),
(get_common_parameters('AccountVerificationSession').status([
{
  name: 'pending',
  description: (
    <>
      The AccountVerificationSession is pending. For <code>micro_deposits</code> type, this
      state indicates that the micro-deposit transactions have not yet been sent. For all
      other types, this means that the verification session has been created but not yet
      updated with any data.
    </>
  ),
},
{
  name: 'in_progress',
  description: (
    <>
      The AccountVerificationSession is in progress. For <code>micro_deposits</code> type, this
      state indicates that the micro-deposit transactions have been sent and the session can be
      updated with the amounts to complete verification. This state is irrelevant for all other types.
    </>
  ),
},
{
  name: 'verified',
  description: 'The AccountVerificationSession has been successfully verified.',
},
{
  name: 'failed',
  description: (
    <>
      The AccountVerificationSession has failed verification based on the provided
      data. See <code>error</code> for details.
    </>
  ),
},
])),
{
name: 'type',
type: 'enum',
required: false,
description: (
  <>
    The type of the AccountVerificationSession. See <a href="/2026-03-30/reference/accounts/verification-sessions/overview#verification-types">Verification Types.</a>
  </>
),
},
{
name: 'micro_deposits',
type: 'object | null',
required: false,
description: (
  <>
    This object will be populated if the AccountVerificationSession is
    of type <code>micro_deposits</code>
  </>
),
items: [
  {
    name: 'micro_deposits.amounts',
    type: 'number[]',
    required: false,
    description: 'The latest amounts that this AccountVerificationSession was updated with.',
  }
]
},
{
name: 'plaid',
type: 'object | null',
required: false,
description: (
  <>
    This object will be populated if the AccountVerificationSession is
    of type <code>plaid</code>.
  </>
),
items: [
    {
        name: 'plaid.balances',
        type: 'object[]',
        description: (<>The raw balance data received from Plaid. See <a href="https://plaid.com/products/balance/#balance-data">account balances</a>.</>),
    },
    {
        name: 'plaid.transactions',
        type: 'object[]',
        description: (<>The raw transaction data received from Plaid. See <a href="https://plaid.com/products/transactions">account transactions</a>.</>),
    },
]
},
{
name: 'mx',
type: 'object | null',
required: false,
description: (
  <>
    This object will be populated if the AccountVerificationSession is
    of type <code>mx</code>.
  </>
),
items: [
    {
        name: 'mx.account',
        type: "object",
        description: (<>The raw account data received from MX. See <a href="https://docs.mx.com/reference/platform-reference/reference/account-fields">account balances</a>.</>),
    },
    {
        name: 'mx.transactions',
        type: "object[]",
        description: (<>The list of the raw transaction data received from MX. See <a href="https://docs.mx.com/reference/platform-reference/reference/transaction-fields">account transactions</a>.</>),
    }
    ]
},
{
name: 'teller',
type: 'object | null',
required: false,
description: (
  <>
    This object will be populated if the AccountVerificationSession is
    of type <code>teller</code>.
  </>
),
items: [
    {
        name: 'teller.balances',
        type: "object",
        description: (<>The raw balance data received from Teller. See <a href="https://teller.io/docs/reference/account/balances#properties">account balances</a>.</>),
    },
    {
        name: 'teller.transactions',
        type: "object[]",
        description: (<>The list of the raw transaction data received from MX. See <a href="https://teller.io/docs/reference/account/transactions#properties">account transactions</a>.</>),
    },
]
},
{
name: 'auto_verify',
type: 'object | null',
required: false,
description: (
  <>
    This object will be populated if the AccountVerificationSession is
    of type <code>auto_verify</code>.
  </>
),
items: [], // empty object
},
{
name: 'trusted_provisioner',
type: 'object | null',
required: false,
description: (
  <>
    This object will be populated if the AccountVerificationSession is
    of type <code>trusted_provisioner</code>.
  </>
),
items: [],
},
{
name: 'standard',
type: 'object | null',
required: false,
description: (
  <>
    This object will be populated if the AccountVerificationSession is
    of type <code>standard</code>.
  </>
),
items: [
  {
    name: 'standard.number',
    type: 'string | null',
    required: false,
    description: (
      <>
        The masked card number. If this is <code>null</code>, that indicates that the
        number needs to be provided for completing verification.
      </>
    )
  }
]
},
{
name: 'pre_auth',
type: 'object | null',
required: false,
description: (
  <>
    This object will be populated if the AccountVerificationSession is
    of type <code>pre_auth</code>.
  </>
),
items: [
  {
    name: 'pre_auth.number',
    type: 'string | null',
    required: false,
    description: (
      <>
        The masked card number. If this is <code>null</code>, that indicates that
        the number needs to be provided for completing verification.
      </>
    )
  },
  {
    name: 'pre_auth.exp_month',
    type: 'string | null',
    required: false,
    description: (
      <>
        The masked card expiration month. If this is <code>null</code>, that indicates that
        the expiration month needs to be provided for completing verification.
      </>
    )
  },
  {
    name: 'pre_auth.exp_year',
    type: 'string | null',
    required: false,
    description: (
      <>
        The masked card expiration year. If this is <code>null</code>, that indicates that
        the expiration year needs to be provided for completing verification.
      </>
    )
  },
  {
    name: 'pre_auth.exp_check',
    type: 'enum',
    required: false,
    description: (
      <>
        The card expiration verification check result. If this is <code>fail</code>, that indicates that
        the card could not be verified given the expiration data, and the AccountVerificationSession needs
        to be updated with the correct expiration data to complete verification.
      </>
    ),
    enums: [
      {
        name: 'pass',
        description: 'The verification check passed.',
      },
      {
        name: 'fail',
        description: 'The verification check failed.',
      },
      {
        name: 'unavailable',
        description: 'The verification check is unavailable due to a restriction by the card networks.',
      },
    ],
  },
  {
    name: 'pre_auth.cvv',
    type: 'string | null',
    required: false,
    description: (
      <>
        The masked card cvv. If this is <code>null</code>, that indicates that
        the cvv needs to be provided for completing verification.
      </>
    )
  },
  {
    name: 'pre_auth.cvv_check',
    type: 'enum',
    required: false,
    description: (
      <>
        The card cvv verification check result. If this is <code>fail</code>, that indicates that
        the card could not be verified given the cvv, and the AccountVerificationSession needs to
        be updated with the correct cvv to complete verification.
      </>
    ),
    enums: [
      {
        name: 'pass',
        description: 'The verification check passed.',
      },
      {
        name: 'fail',
        description: 'The verification check failed.',
      },
      {
        name: 'unavailable',
        description: 'The verification check is unavailable due to a restriction by the card networks.',
      },
    ],
  },
  {
    name: 'pre_auth.pre_auth_check',
    type: 'enum',
    required: false,
    description: 'The pre_auth verification check result.',
    enums: [
      {
        name: 'pass',
        description: 'The verification check passed.',
      },
      {
        name: 'fail',
        description: 'The verification check failed.',
      },
      {
        name: 'unavailable',
        description: 'The verification check is unavailable due to a restriction by the card networks.',
      },
    ],
  },
]
},
  {
name: 'network',
type: 'object | null',
required: false,
description: (
  <>
    This object will be populated if the AccountVerificationSession is
    of type <code>network</code>.
  </>
),
items: [
  {
    name: 'network.number',
    type: 'string | null',
    required: false,
    description: (
      <>
        The masked card number. If this is <code>null</code>, that indicates that
        the number needs to be provided for completing verification.
      </>
    )
  },
  {
    name: 'network.exp_month',
    type: 'string | null',
    required: false,
    description: (
      <>
        The masked card expiration month. If this is <code>null</code>, that indicates that
        the expiration month needs to be provided for completing verification.
      </>
    )
  },
  {
    name: 'network.exp_year',
    type: 'string | null',
    required: false,
    description: (
      <>
        The masked card expiration year. If this is <code>null</code>, that indicates that
        the expiration year needs to be provided for completing verification.
      </>
    )
  },
  {
    name: 'network.exp_check',
    type: 'enum',
    required: false,
    description: (
      <>
        The card expiration verification check result. If this is <code>fail</code>, that indicates that
        the card could not be verified given the expiration data, and the AccountVerificationSession needs
        to be updated with the correct expiration data to complete verification.
      </>
    ),
    enums: [
      {
        name: 'pass',
        description: 'The verification check passed.',
      },
      {
        name: 'fail',
        description: 'The verification check failed.',
      },
      {
        name: 'unavailable',
        description: 'The verification check is unavailable due to a restriction by the card networks.',
      },
    ],
  },
  {
    name: 'network.cvv',
    type: 'string | null',
    required: false,
    description: (
      <>
        The masked card cvv. If this is <code>null</code>, that indicates that
        the cvv needs to be provided for completing verification.
      </>
    )
  },
  {
    name: 'network.cvv_check',
    type: 'enum',
    required: false,
    description: (
      <>
        The card cvv verification check result. If this is <code>fail</code>, that indicates that
        the card could not be verified given the cvv, and the AccountVerificationSession needs to
        be updated with the correct cvv to complete verification.
      </>
    ),
    enums: [
      {
        name: 'pass',
        description: 'The verification check passed.',
      },
      {
        name: 'fail',
        description: 'The verification check failed.',
      },
      {
        name: 'unavailable',
        description: 'The verification check is unavailable due to a restriction by the card networks.',
      },
    ],
  },
  {
    name: 'network.network_check',
    type: 'enum',
    required: false,
    description: 'The network verification check result.',
    enums: [
      {
        name: 'pass',
        description: 'The verification check passed.',
      },
      {
        name: 'fail',
        description: 'The verification check failed.',
      },
      {
        name: 'unavailable',
        description: 'The verification check is unavailable due to a restriction by the card networks.',
      },
    ],
  },
]
},
(get_common_parameters('AccountVerificationSession').error),
(get_common_parameters('AccountVerificationSession').created_at),
(get_common_parameters('AccountVerificationSession').updated_at),
]}
/>

## Verification Types

| Type                  | Description                                                                                                                                                                                                                                                                     |
| --------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| `micro_deposits`      | To verify a checking or savings account, two small amounts between <strong>\$0.20 - \$0.99</strong> of money will be deposited into the ACH account, once received (within 1 - 3 business days) the account holder will then verify the amounts (in cents) that were deposited. |
| `plaid`               | The ACH Account is verified by providing [balance](https://plaid.com/products/balance/#balance-data) and [transaction](https://plaid.com/products/transactions) data from Plaid.                                                                                                |
| `teller`              | The ACH Account is verified by providing [balance](https://teller.io/docs/reference/account/balances#properties) and [transaction](https://teller.io/docs/reference/account/transactions#properties) data from Teller.                                                          |
| `mx`                  | The ACH Account is verified by providing [account](https://docs.mx.com/reference/platform-reference/reference/account-fields) and [transaction](https://docs.mx.com/reference/platform-reference/reference/transaction-fields) data from MX.                                    |
| `trusted_provisioner` | The ACH Account is auto verified based on whitelisted routing numbers for the team.                                                                                                                                                                                             |
| `auto_verify`         | The ACH account is verified automatically upon creation, if this configuration is enabled for the team.                                                                                                                                                                         |
| `standard`            | The Liability Account is verified in real-time by the issuer by providing the full account/card number.                                                                                                                                                                         |
| `pre_auth`            | The Credit Card Account is verified in real-time by the issuer and card networks by providing the full card number, expiration date, and cvv.                                                                                                                                   |
| `network`             | The Credit Card Account is verified in real-time by the issuer and card networks by providing the full card number, expiration date, and cvv.                                                                                                                                   |

## Webhook Payload

The [Webhook](/2026-03-30/reference/webhooks/overview) payload will contain the following information:

```json theme={null}
{
  "id": "string",
  "type": "account_verification_session.create" | "account_verification_session.update",
  "path": "/accounts/<acc_id>/verification_sessions/<avf_id>",
}
```

<RequestExample>
  ```json Pre-auth theme={null}
  {
    "id": "avf_DjkdemgTQfqRD",
    "account_id": "acc_yVf3mkzbhz9tj",
    "status": "pending",
    "error": null,
    "type": "pre_auth",
    "pre_auth": {
      "exp_year": "xxxx",
      "exp_month": "xx",
      "exp_check": null,
      "cvv": null,
      "cvv_check": null,
      "billing_zip_code": "xxxxx",
      "billing_zip_code_check": null,
      "number": "xxxxxxxxxxxxxxxx",
      "pre_auth_check": null
    },
    "created_at": "2024-03-14T02:02:24.862Z",
    "updated_at": "2024-03-14T02:02:24.862Z"
  }
  ```

  ```json Network theme={null}
  {
    "id": "avf_DjkdemgTQfqRD",
    "account_id": "acc_yVf3mkzbhz9tj",
    "status": "pending",
    "error": null,
    "type": "network",
    "network": {
      "exp_year": "xxxx",
      "exp_month": "xx",
      "exp_check": null,
      "cvv": null,
      "cvv_check": null,
      "billing_zip_code": "xxxxx",
      "billing_zip_code_check": null,
      "number": "xxxxxxxxxxxxxxxx",
      "network_check": null
    },
    "created_at": "2024-03-14T02:02:24.862Z",
    "updated_at": "2024-03-14T02:02:24.862Z"
  }
  ```

  ```json Standard theme={null}
  {
    "id": "avf_hCUj4GhnTcekJ",
    "account_id": "acc_yVf3mkzbhz9tj",
    "status": "pending",
    "error": null,
    "type": "standard",
    "standard": {
      "number": null,
    },
    "created_at": "2024-03-14T02:02:24.862Z",
    "updated_at": "2024-03-14T02:02:24.862Z"
  }
  ```

  ```json Micro-deposits theme={null}
  {
    "id": "avf_bxDxWqdnRcrer",
    "account_id": "acc_yVf3mkzbhz9tj",
    "status": "pending",
    "error": null,
    "type": "micro_deposits",
    "micro_deposits": {
      "amounts": []
    },
    "created_at": "2024-03-29T21:32:54.452Z",
    "updated_at": "2024-03-29T21:32:54.452Z"
  }
  ```

  ```json Plaid theme={null}
  {
    "id": "avf_wYjzrmP6QBzRd",
    "account_id": "acc_yVf3mkzbhz9tj",
    "status": "pending",
    "error": null,
    "type": "plaid",
    "plaid": {
      "transactions": [],
      "balances": {}
    },
    "created_at": "2024-04-01T18:23:31.744Z",
    "updated_at": "2024-04-01T18:23:31.744Z"
  }
  ```

  ```json MX theme={null}
  {
    "id": "avf_eQCXK6b7L7c3W",
    "account_id": "acc_yVf3mkzbhz9tj",
    "status": "pending",
    "error": null,
    "type": "mx",
    "mx": {
      "transactions": [],
      "account": {}
    },
    "created_at": "2024-04-01T18:24:27.003Z",
    "updated_at": "2024-04-01T18:24:27.003Z"
  }
  ```

  ```json Teller theme={null}
  {
    "id": "avf_tmhN3L67Qt9N6",
    "account_id": "acc_yVf3mkzbhz9tj",
    "status": "pending",
    "error": null,
    "type": "teller",
    "teller": {
      "transactions": [],
      "balances": {}
    },
    "created_at": "2024-04-01T18:25:02.770Z",
    "updated_at": "2024-04-01T18:25:02.770Z"
  }
  ```

  ```json Trusted Provisioner theme={null}
  {
    "id": "avf_zJUNmHXVGpWif",
    "account_id": "acc_yVf3mkzbhz9tj",
    "status": "pending",
    "error": null,
    "type": "trusted_provisioner",
    "trusted_provisioner": {},
    "created_at": "2024-04-01T18:25:02.770Z",
    "updated_at": "2024-04-01T18:25:02.770Z"
  }
  ```

  ```json Auto Verify theme={null}
  {
    "id": "avf_zJUNmHXVGpWif",
    "account_id": "acc_yVf3mkzbhz9tj",
    "status": "pending",
    "error": null,
    "type": "auto_verify",
    "auto_verify": {},
    "created_at": "2024-04-01T18:25:02.770Z",
    "updated_at": "2024-04-01T18:25:02.770Z"
  }
  ```
</RequestExample>