Verify a consumer's bank account and their ability to repay a loan or other financial obligation.


To test IBV - 

  • Generate a request using the example data for either the United States (US) or Canada (CAN).
  • Copy and paste the CreateForm Response into a browser.
  • Complete the verification, simulating the consumer experience.
  • GetReport using the Reference from the CreateForm Response.

Testing can be performed using one of the MicroBilt test banks.


US - MBTestBank 2

Username = username

Password = password

Pin = 1234

Expected Account behavior

1234 - running balance is always positive, no direct deposits

5678 - limited to 40 days of transactions

8888 - no transactions, most recent activity is 180 days in the past

9999 - limited to 25 days of transactions, no overdraft fees


CAN - Test Canadian Bank 2

Username = username

Password = password

Pin = 1234


Start typing the bank name on the IBV form and select one of the banks from the pick list.  Select both check boxes to agree to terms and conditions, click next.  Use the credentials above to log in to the test institution.  All values are case sensitive.  Once the verification is complete, the data will be available using the GetReport request.


Additional Programming Information For IBV

Name Values Description

Specifies the format of the request


Specifies the format of the response

Body Parameters

Name Values Description

Request Body


HTTP Basic

OAuth 2.0



Make a request and see the response.

Make a request and see the response.

Make a request and see the response.

Resource Summary /CreateForm