1. Guides
2. Funding sources
3. Bank accounts

Link bank accounts with MX

Moov’s partnership with MX allows mutual customers to quickly verify bank accounts. Instead of waiting for the account holder to complete the micro-deposit verification process, you can verify bank accounts seamlessly with MX. To enable instant account verification (IAV), you will need to:

• Set up your accounts
• Get authorization code
• Pass the MX authorization code to Moov’s bank account endpoint

Set up your accounts

You will need an MX account and a Moov account in order to use this integration. If you don’t have a Moov account, you can sign up for one here. Refer to our Quick start guide for guidance on getting your API keys and configuring your Moov account once you’ve signed up.

Before you can use the Moov + MX integration, you will also need to have an API key and a client ID for your MX account.

Your MX account must also have the following enabled:

• has_payment_processing
• has_platform_api
• has_account_verification

Create an authorization code

An authorization code is a one-time use token used to authenticate your application with MX. You’ll create an authorization code by passing the following information to the MX Request Payment Processor Authorization Code endpoint.

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{ 
  "payment_processor_authorization_code": {
    "user_guid": "USR-ba246888-cc62-40a6-8967-baa76dbf1cc7",
    "member_guid": "MBR-4145eb50-3721-4f48-a983-d874c8bd5eb9",
    "account_guid": "ACT-dc10aeb9-66a0-4c5c-b6a7-720b637f1fb6"
  }
}

Pass the authorization code to Moov

Once you’ve successfully created an authorization code, you’ll pass that authorization code to Moov via the bank account endpoint.

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const moov = moov(token);

const accountID = accountID;
moov.accounts.bankAccounts.link({accountID: accountID, mx: { authorizationCode: "token"}});

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curl -X POST https://api.moov.io/accounts/{accountID}/bank-accounts
  -H 'Authorization: Bearer {token}' \
  -H "Content-Type: application/json" \
  -data-raw '{
    "mx": {
        "authorizationCode": "{{mxAuthorizationCode}}"
  }'

Moov will then retrieve bank account details directly from MX, so you won’t need to directly handle sensitive bank information when linking bank accounts.