Allowlisting/authorizing Brex
Overview
Micro-entries are small credit and debit transactions used to verify bank accounts and demonstrate access. A micro-deposit is a credit entry sent to an account to verify and demonstrate your access to the account, whereas a penny pull is used to verify the account and confirm that Brex has access to debit funds from the connected bank account. In some cases, micro-deposits or penny pulls may fail if there is a block on the account as a security measure.
To avoid issues when making payments to Brex, funding a bill payment, or reimbursement, it's essential to allowlist Brex with your bank if any block is in place. Similarly, for invoicing your customer will need to allowlist Brex with their bank if they have any blocks in place to ensure the payment for your invoice processes. As an optional security measure to your Brex business account, you may block or allow ACH debits from specific counterparties. For more information, read this help article instead.
Penny pulls
When connecting a primary funding source, a penny pull is initiated by Brex to confirm transacting abilities with your external bank account. An ACH transaction of $0.01 will be deposited and simultaneously withdrawn via the ACH process. For these transactions, you will see Brex’s name as the Company ID associated with the debit transaction.
You may also see a withdrawal of an amount less than a dollar on your Brex business account, specifically your checking account, when connecting your checking account to another platform to ensure they may debit your account. If you do not recognize these debits, please contact Brex Support immediately.
Micro-deposits
To offer a wider range of coverage for banks that can be used to pay your Brex statement, our authentication process may require a micro-deposit to a connected autopay bank account. This occurs within the first few days of connecting an autopay bank account that couldn’t be verified instantly. To avoid any potential external bank fees, you’ll want to make sure you have sufficient funds in the bank 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. You will know the bank account was automatically verified when its status is Verifying in the External Accounts page. If you see a notice in your dashboard asking to verify the bank account, you will need to manually verify those amounts through the External Accounts page.
When you receive a micro-deposit to your external bank account, it will have a 3-letter code attached that you can enter into your Brex dashboard. If you’re an admin, enter this in External accounts. If you’re an employee connecting your personal account then you will verify the bank account as a funding source by entering the 3-letter code in Personal settings.
For bill pay and reimbursements
External bank accounts that you want to use to fund a bill payment or reimbursement must be connected either through a direct Plaid connection or by entering your account credentials. If you choose to enter your credentials, we’ll send a micro-deposit to your external bank account. This will take roughly one business day.
When you receive this micro-deposit, it will have a 3-letter code attached. Enter this in your dashboard to fully verify the external bank account as a funding source for bill pay.
For invoicing
If you are a Brex customer who has sent an invoice through the Brex dashboard with ACH debit enabled, the recipient may pay the invoice through Brex by connecting their bank account. To do this, your customer will have to verify their bank account via a direct Plaid connection. If they prefer not to verify their account via Plaid then they may pay the invoice outside of Brex.
Allowlisting Brex with your bank
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 bank account. Brex also offers positive pay for Brex business accounts. If you connected any external account to Brex and intend to use them to pay your card statement, fund reimbursements, bill payments, or your Brex business account, please allowlist Brex with that financial institution. Returned ACH debits resulting from payment blocks or positive pay may impact your ability to use bill pay, reimbursements, or fund your Brex business account.
For US bank accounts
To avoid any service interruptions, please have your bank confirm that the following Brex information is allowlisted for ACH debits:
- Organization Name: Brex Inc
- Organization IDs:
- 8195391000
- 9121145349
For non-US bank accounts
If you’re connecting a non-US bank account that you intend to use to pay your Brex card statement, reimbursements, or bill payments, the authentication process with our financial partner may require a micro-deposit to the connected non-US autopay account. Depending on your payment rail and statement currency, provide the following instructions to your bank:
- BACS (GBP)
- Service User Number (SUN): 570836
- SEPA (EUR)
- Credit Identifier (CI): NL42000775192560000
- EFT (CAD)
- Creditor Name: Airwallex
Please note that for SEPA, Brex supports the Core Direct Debit Mandate, but not the B2B Direct Debit Mandate. The Core mandate will be shown for your electronic signature during the account connection process, and subsequently sent via email.
For bill pay
Prior to connecting an external bank account 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’s ACH IDs listed above.
In case of blocked or returned ACH debits, please contact Brex Support and provide us with proof that the above ACH ID has been allowlisted with your bank.
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.