vConnect Interface

Running INSIGHTS after vConnect

INSIGHTS is a suite of products used to get detailed insights into a customer's bank account.

vInsightSync

User-consented bank account lookup and predictive decisioning using cash flow history
vInsightSync is ran automatically after a user logs into their bank account using their online banking credentials

BankVERIFY+

Instant non-credentialed bank intelligence to identify risk and fraud on 99% of accounts
vConnect runs this product automatically on accounts where customers provide their routing and account number

vConnect runs verifications automatically, performs decisioning, and routes your customer appropriately

Customizable Accept and Decline Messages

See vConnect settings to customize decisioning behavior

Perform your own risk calculations

If you are making your own decisions, you may want vConnect to approve everyone, regardless of their score

You can then use our API to retrieve the details of the verification

Visit the vConnect settings to enable this feature

Getting the details of a verification

If you would like to see the details of the verification, including scores and attributes, capture the inquiryId and inquiryType from vConnect, available in the complete event, then call our API

Your options for collecting the inquiryId and inquiryType:

Client-Side Javascript Event

Handle the complete event, then save the inquiryId and inquiryType to your system

CONNECT.onComplete(eventData => {
    let inquiryId = eventData.inquiryId;
    let inquiry_type = eventData.inquiryType;
});

Webhook

When initializing vConnect, send your server's URL as a parameter to the API. Alternately, you can set the URL in your application settings so that it automatically applies to all sessions.

We will call your URL with the following data

{
    "sessionToken": "vConnect Session Token",
    "eventDate": "2022-01-01T12:00:00.0000000Z",
    "eventName": "complete",
    "customerId": "Customer or Reference ID",
    "merchantId": 12345,
    "connectComplete": true,
    "connectType": "BankLOGIN",
    "inquiryId": "vInsightSync InquiryID",
    "inquiryType": "BankLOGIN+",
    "account": {
        "bankId": 12345,
        "bankName": "Full Bank Name",
        "accountNickname": "Sample Checking Account",
        "accountType": "Checking",
        "accountToken": "00000000-xxxx-xxxx-xxxx-000000000000",
        "last4Digits": "1234"
    }
}

Call our API

There are separate endpoints for each service. Match the inquiryType with the service below:

BankVERIFY+

Call this v4 endpoint and provide the inquiryId from vConnect

GET https://{environment}.RIBBIT.ai/v4/Insights/2/{inquiryId} When using vConnect version 3 and BankVERIFY+ version 3, use GET /v3/RiskServices/Onboarding/Accounts/BVPAnalytics/{inquiryId}
Click the URL for detailed documentation and examples

vInsightSync

Call this v4 endpoint and provide the inquiryId from vConnect

GET https://{environment}.RIBBIT.ai/v4/Insights/3/{inquiryId} When using vConnect version 3 and vInsightSync version 3, use GET /v3/Onboarding/Accounts/BLPAnalytics/{inquiryId}
Click the URL for detailed documentation and examples

Need help?

Get a hold of us!

Send us a ticket with your questions to support@RIBBIT.ai

We can answer your questions over e-mail or schedule a meeting with your team