Micro-deposits are small transactions used to verify account ownership and connection stability when linking bank accounts to platforms like Brex. In some cases, micro-deposits may fail if the receiving institution doesn't recognize Brex and blocks the payment as a security measure. To avoid issues, it's essential to allowlist Brex with your bank and ensure the necessary organization IDs are allowlisted.
A micro-deposit is a small deposit that is credited to a bank or money management account to confirm account ownership and connection stability. In some cases, the deposit might be immediately withdrawn from the account. The size of the deposit can be anywhere from $0.01 to $1.00, and is completed via the ACH process.
Micro-deposits generally occur when connecting your account to another platform. When using Brex, you may see Brex-originated micro deposits when you connect a primary funding source. External bank accounts might attempt micro-deposits to or from your Brex business account if you’ve connected it to their external platform.
Brex Plus For bill pay
External bank accounts that you’ll use to pay bills can be connected via a direct Plaid connection or by entering your account credentials. If you choose to enter your credentials, we’ll send a micro-deposit to the account to confirm ownership. This will take roughly one business day.
When you receive this micro-deposit, it will have an ID number attached. Enter this in your dashboard to fully verify the external bank account as a funding source for bill pay.
In some cases, micro-deposits fail. This can happen if the receiving institution doesn't recognize Brex and blocks the payment as a security measure. This is sometimes referred to as “positive pay.” Positive pay is offered at many financial institutions and allows you to prevent unwanted ACH debits by authorizing only certain counterparties to pull funds from your account.
For any external account that you have connected to Brex that you intend to use to pay bills or fund accounts, please ensure that you’ve allowlisted Brex with that provider. Blocked or returned ACH debits resulting from positive pay issues may impact your payment capabilities. To avoid any service interruptions, please confirm with your bank that the following Brex information is allowlisted for ACH debits:
Organization Name: Brex Inc
For payments to Brex
In an effort to offer a wider range of coverage for external banks that can be used to pay your Brex statement, our authentication process may require a micro-deposit to and from a connected autopay account. This occurs within the first few days of connecting an autopay account that couldn’t be verified instantly. In order to avoid external bank fees, you’ll want to make sure you have at least $1.98 in any account you designate for autopay.
For some bank accounts, Brex will automatically verify the micro-deposit amounts once they land in your bank account without any action needed. In other cases, you will need to manually verify those amounts through the External accounts page.
Brex Plus For bill pay
Prior to connecting an external bank account to use for bill pay, please make sure you’ve contacted your external bank provider and allowlisted the organization IDs listed above.
For Brex business account transfers
Note: For security purposes, your ACH debiting capabilities may be impacted if an ACH debit is blocked or returned.
When depositing funds to your Brex business account in your dashboard, we’ll initiate an ACH debit from the selected financial account. However, some institutions may block or return this debit depending on the ACH blocking or filtering settings on the account.
We recommend listing Brex as a trusted counterparty that can perform ACH debits. To do this, please reach out to a bank representative or support team at your financial institution to ask that they allowlist Brex and the ACH IDs listed above.
Contact Brex Support via live chat to provide us with proof that the above ACH ID has been allowlisted with your bank. We’ll help reenable your ACH debit capabilities.
Brex's trusted counterparty feature relies on ACH IDs supplied by users. Some counterparties may attempt to debit your account from multiple ACH IDs, including ones that have not been blocked.