Account Control

Orum's Control endpoint enables you to verify account control, in addition to account status, by confirming that an end user (a person or business) has access to a given account. To note, verifying control of an account also verifies that the account is open and valid. This means both control_status and verification_status will update to valid.

Orum verifies account control by pushing a four character code to the bank account statement of your end user. Once the user locates this code on the account statement, there are two ways in which we can confirm that the code Orum sent to a specific account is in fact the code that the user located on their statement. You can either send back the code via the Control endpoint (API-Based solution), or if you provide the end users email address, Orum can automatically send them an email with instructions to provide the code to us directly via a website that Orum hosts (Email-Based solution).

If using the Email-Based solution, Orum will send an email based on the following logic:

• If the bank account is RTP or FedNow-eligible, the email is sent once a verify_account_updated webhook event returns a verification_status of valid.
• If the bank account is not RTP or FedNow-eligible, the email is sent in the evening that day or the morning of the next business day (if not a bank holiday).

Control Status

Regardless of whether you choose to use the API-based Control solution or the Email-based Control solution, the Control Statuses and webhook events remain the same.

Note: the maximum number of attempts currently defaults to three.

Sample Webhook Event

{
    "created_at": "2023-11-17T20:10:06.173Z",
    "event_data": {
        "account": {
            "id": "2b610cd7-0366-47a0-94c7-923dc0472bc5",
            "account_number": "12345678910",
            "routing_number": "102001017",
            "account_holder_name": "John Doe",
            "estimated_verification_date": "2023-11-17T00:00:00Z",
            "verification_status": "valid",
            "control_status": "valid",
            "created_at": "2023-11-17T20:09:58.356657Z",
            "updated_at": "2023-11-17T20:10:05.351604Z"
        }
    },
    "event_id": "562eec7a-b6e7-489a-bbaa-2f04c137b3d1",
    "event_type": "verify_account_updated"
}