We're facing an issue where a competitor is offering instant account validation by collecting a customer's account and routing number and it is instantly verified without opening the Financial Connections window.
We feel that is a much easier flow for ACH but the problem I am facing is while Stripe in their documentation mentions how to manually collect bank and routing numbers and verify them via microdeposits it does not anywhere show how to verify them instantly without collecting microdeposits.
If you've done this integration in the past would be super helpful if you can guide us on it. Link to the doc I am following in stripe: https://docs.stripe.com/payments/ach-debit/accept-a-payment?web-or-mobile=web&payments-ui-type=direct-api