For about 50%-75% of the customers you onboard, the process should take less than 1-minute. This is because they use a bank that is directly integrated through an API to our components. This applies if they are using one of the banks listed below:
- JP Morgan Chase
- Capital One
- USAA
- Wells Fargo
- Citi
- US Bank
- Charles Schwab
There are 15,000 additional institutions we support. Since they are not directly integrated through an API, they can take up to 3-minutes or more to connect and verify. Please note, these institutions often time out or fail. You can encourage your users to retry at a later date. If the connection is established, but taking a long time to authenticate, the user will get a prompt to close the window and allow the connection to happen in the background.