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

# Account Verification object

Verify an account holder's information by making a microdeposit (0.01 MXN) to their account.

```json theme={null}
{
  "id": "accv_fdsjklsdjkls",
  "object": "account_verification",
  "counterparty": {
    "account_number": "123456789123455789",
    "account_type": "clabe",
    "holder_id": "FLA1234567890",
    "holder_name": "Carmen Marcela",
    "institution": {
      "id": "mx_banco_bbva",
      "country": "mx",
      "name": "BBVA Mexico"
    }
  },
  "mode": "test",
  "reason": null,
  "receipt_url": "https://www.banxico.org.mx/cep/",
  "status": "succeeded",
  "transaction_date": "2020-04-17T00:00:00.000Z",
  "transfer_id": "tr_fdskjldasjkl"
}
```

| Attribute                          | Type     | Description                                                                                                                                 |
| :--------------------------------- | :------- | :------------------------------------------------------------------------------------------------------------------------------------------ |
| `id`                               | `string` | Unique identifier for the account verification.                                                                                             |
| `object`                           | `string` | The type of the object, which is always `account_verification`.                                                                             |
| `counterparty`                     | `object` | Information about the verified account holder.                                                                                              |
| `counterparty.account_number`      | `string` | The account number (in Mexico: CLABE) of the third party of the transaction (counterparty).                                                 |
| `counterparty.account_type`        | `string` | The type of the counterparty account. In Mexico is one of: `clabe`, `debit_card` or `phone_number`. Options for Chile: `checking`, `sight`. |
| `counterparty.holder_id`           | `string` | The unique ID of the third party of the transaction (counterparty).                                                                         |
| `counterparty.holder_name`         | `string` | The name of the third party of the transaction (counterparty).                                                                              |
| `counterparty.institution`         | `object` | The institution object containing details about the sender's financial institution.                                                         |
| `counterparty.institution.id`      | `string` | Unique identifier for the institution.                                                                                                      |
| `counterparty.institution.country` | `string` | The country where the financial institution is located (ISO 3166-1 alpha-2 format, e.g., `mx` for Mexico).                                  |
| `counterparty.institution.name`    | `string` | The name of the financial institution.                                                                                                      |
| `mode`                             | `string` | Mode of the API (`test` or `live`).                                                                                                         |
| `reason`                           | `string` | Details on why the account verification was unsuccessful. Is `null` unless the microdeposit transfer is returned.                           |
| `receipt_url`                      | `string` | A URL to the receipt of the transfer, if available.                                                                                         |
| `status`                           | `string` | The status of the account verification. It can be `pending`, `succeeded` or `failed`.                                                       |
| `transaction_date`                 | `string` | The actual date when the transfer was initiated (YYYY-MM-DD format).                                                                        |
| `transfer_id`                      | `string` | Unique identifier for the microdeposit transfer used to verify the account.                                                                 |

## Account verification failure reasons

| Reason            | Description                                                                                                                 |
| :---------------- | :-------------------------------------------------------------------------------------------------------------------------- |
| `cep_unavailable` | CEP receipt was not generated by Banxico in the expected timeframe (30 minutes). We recommend retrying if this is the case. |
| SPEI errors       | Refer to the SPEI codes and action items documentation.                                                                     |