## What is Dwolla’s Instant Account Verification (IAV) solution?

- Jul 22, 2025  
- Knowledge

### Information  
**Title**  
What is Dwolla’s Instant Account Verification (IAV) solution?

**Summary**  
Instant Account Verification (IAV) is a key feature within [Dwolla’s Open Banking Services](/content/features/open-banking-services/index.html), designed to streamline the process of verifying bank account information for mid- to enterprise-sized businesses. This service allows businesses to quickly confirm that a customer’s bank account is valid and active while providing a seamless and secure payment process.

### **Key Features of IAV**  
1. **Real-Time Verification:** Dwolla’s IAV solution instantly (within seconds) verifies that a bank account is open and active. This real-time capability is crucial for businesses that need to confirm account details before initiating transactions, reducing the risk of failed payments and improving transaction reliability.

2. **Enhanced User Experience:** Traditional methods of bank account verification, such as micro-deposits, can take several days and often lead to user drop-off. Dwolla’s IAV solution offers a faster, more streamlined process, allowing users to verify their accounts instantly and proceed with transactions without delays.

3. **Integration with Other Services:** Dwolla’s IAV solution can be combined with other open banking features such as Real-Time Balance Check, which allows businesses to see the current and available balance in an account before initiating a transaction. This combination of features helps reduce the risk of returns.

For more technical resources relating to Instant Account Verification, and how you can integrate it via your own application, click [here](https://developers.dwolla.com/docs/balance/open-banking#instant-account-verification-flow).

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