What's an online verification?

Before capturing funds from a payer's bank account, you can send an online message to the payment system requesting that it contact the bank and verify that the payer's bank account is valid. This process does not put a hold on any funds

You enable online verification in a funds capture process profile by selecting an outbound format and an inbound response format for verification.

Note: Online payer verification is an optional feature and is not offered by all payment systems.