moov-io / customers

Customer registry supporting Know Your Customer (KYC), Customer Identification Program (CIP), and OFAC checks
https://moov.io
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accounts: pre-note validations #252

Open adamdecaf opened 3 years ago

adamdecaf commented 3 years ago

We are looking to support sending pre-notes for account validations. With upcoming changes from NACHA these are a bit better of a validation option.

Pre-notes are zero-balance entries used to affirm an account exists at the RDFI.

We would include this as a strategy in the account validation endpoint: https://moov-io.github.io/customers/api/#post-/customers/{customerID}/accounts/{accountID}/validations

Also would implement the validator. Strategy interface: https://github.com/moov-io/customers/blob/v0.5.0-dev23/pkg/validator/strategy.go

This would issue a call over to PayGate (similar to micro-deposits), see https://github.com/moov-io/paygate/issues/601