---
title: Microdeposits and how they work
description: What microdeposits are and how they work to verify your Rotessa customer's banking information
---

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May 27, 2026

# Microdeposits and how they work

#### What are Microdeposits?

Microdeposits are a secure way to verify your customer's bank account information before you begin processing payments. Payments Canada requires that for online authorizations, you have reasonable means to verify the identity of the person whose bank information you've collected.

- When using the **custom link URL** authorization method, microdeposits are enabled by default.
- If [instant bank verification](https://support.rotessa.com/instant-bank-verification?hsLang=en) is enabled, microdeposits serve as the fallback verification option.
- If you send an [email authorization request](https://support.rotessa.com/overview-of-authorizations?hsLang=en) directly from the Rotessa customer page, microdeposits are not required.
- For **US Rotessa accounts**, microdeposits are enabled and required by default for online authorizations.

#### How do they work?

When a customer completes an authorization where microdeposits are required, two small deposits are sent from Rotessa's account to the customer's bank account.

- If sent before 11:00 AM CT on a business day, the customer can expect to receive the deposits within 24 hours.
- The customer will receive an email with a link to a secure page where they can enter the two deposit amounts to verify their account.
- There are only **three attempts** per customer. If all three fail, microdeposit verification cannot be attempted again.

#### Sending microdeposits

To send a microdeposit verification request, ensure the customer has an email address entered in Rotessa.

1. Go to the **Customers** page of [your Rotessa account](https://client.rotessa.com/users/sign_in).
2. Select the **ellipses (⋯)** to the right of the customer you wish to verify.
3. Select **Send Microdeposit** from the dropdown. This will immediately send the verification email and trigger the deposits.

*Note: If the customer already has pending microdeposits or has already completed verification, the Send Microdeposit option will not appear in the dropdown.*

Once sent, an orange microdeposit [icon](https://support.rotessa.com/customers-page-icons?hsLang=en) will appear beside the customer's name to indicate verification is pending.

#### Resend Microdeposits

To resend a microdeposit verification, you'll first need to [edit the customer's](https://support.rotessa.com/edit-a-customer?hsLang=en) bank information. Once a change has been made, you can send a new microdeposit using the steps above.

If the original verification link has been lost, it can be resent from the **Microdeposits** page:

1. Go to the **Microdeposits** page of [your Rotessa account](https://client.rotessa.com/users/sign_in).
2. Select the **ellipses (⋯)** to the right of the customer's created date.
3. Select **Verification Link**. This will open the customer's unique verification link in a new tab.

*Note: This will not work if all three verification attempts have already been used.*

#### Viewing Microdeposits

1. In [your Rotessa account](https://client.rotessa.com/users/sign_in), select **Microdeposits** from the side menu.
2. Choose a date range and select **Search**.

The results will display the customer name, microdeposit status, number of verification attempts made, and the created date.

#### Sending a Reminder

To send a reminder email to a customer to complete their microdeposit verification:

1. Go to the **Microdeposits** page of [your Rotessa account](https://client.rotessa.com/users/sign_in).
2. Select the **ellipses (⋯)** to the right of the customer you'd like to remind.
3. Select **Send Reminder** from the dropdown.

 

#### Microdeposit statuses:

**Requested:**The microdeposit has been sent but the customer has not made any attempts yet.  
**Verified** : The customer has successfully verified their account information.  
**Failed** : The customer has unsuccessfully used all three attempts and can no longer complete microdeposit verification.  
**Declined:** The microdeposit was rejected due to incorrect account information.

 

**FAQ**

**What if my customer doesn't receive the microdeposits?** First, check when the microdeposit verification was requested. If it has been longer than 1–2 business days, the customer's banking information may have been entered incorrectly in Rotessa. Contact your customer to confirm and update their banking details.

**What if the customer enters the wrong amounts?** The customer will have two additional attempts to enter the correct amounts. If all three attempts are unsuccessful, the verification will fail and you'll need to resend a new microdeposit verification request.

**Is there anything I need to do after sending the request?** No. Once you've sent the microdeposit verification request, the customer will receive an email with a link to verify the two deposit amounts. No further action is required on your end.

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