VeriBank.io Knowledge Base

Creating Your Account

Getting started with VeriBank takes under a minute. No credit card required.

Your First Analysis

Once logged in, running your first analysis is simple:

1. Click "New Analysis" in the sidebar (or the upload area on your dashboard).
2. Drag and drop a bank statement PDF (or click to browse). You can upload multiple PDFs for the same merchant if you have several months.
3. Wait a few seconds — VeriBank parses the PDF, classifies every transaction, and builds the full report.
4. View your report — you'll be taken to the report view automatically. From here you can download the PDF, review each section, or go back to analyze another statement.

Upload Guide

VeriBank accepts standard bank statement PDFs. Here's how to get the best results.

Accepted Formats

• PDF — digitally generated bank statements (preferred)
• Multi-page PDFs — statements with multiple pages are fully supported
• Multiple files — upload several months of statements at once for a single merchant

Best Practices

• Provide at least 3 months of statements for the most accurate trend analysis and risk scoring.
• Use the original PDF from the bank portal — not a printout or scan.
• Make sure the PDF is not password-protected.
• File size limit: 25 MB per file.

Supported Banks & Formats

VeriBank has dedicated parsers and classifiers for 48 U.S. banks. Any bank not on this list is handled by our universal parser, which supports the vast majority of standard PDF statement formats.

Major Traditional Banks

Fintech / Neobanks

Upload Troubleshooting

Common Issues

Risk Score Explained

The VeriBank Risk Score is a composite score from 0 to 100. Higher scores indicate lower risk (healthier merchants). The score is calculated from six weighted components:

Risk Tiers

Monthly Cash Flow

This section breaks down the merchant's financials month by month. Each month shows:

• Total Deposits — all money in
• Total Debits — all money out
• Net Cash Flow — deposits minus debits (positive = healthy)
• Ending Balance — account balance at month-end
• Average Daily Balance — how much cash sits in the account day-to-day
• NSF Count — number of insufficient funds events that month
• Negative Days — days the balance dropped below zero
• Transaction Count — total line items parsed
• Largest Single Deposit — the biggest deposit that month

MCA Stacking Detection

VeriBank automatically identifies suspected active MCA (Merchant Cash Advance) positions by analyzing ACH debit patterns. The engine looks for:

• Recurring ACH debits with consistent amounts and frequencies (daily or weekly)
• Originator names that match known MCA funders
• Pattern consistency — coefficient of variation is used to measure payment regularity

Confidence Levels

Key Metrics

• Total Monthly MCA Burden — estimated total monthly payments to all detected MCA positions
• Burden as % of Deposits — how much of the merchant's revenue goes to MCA payments (over 15% is a red flag)
• Round Number Injections — large round-dollar deposits ($5K+) that may indicate cash injections to cover obligations

Warning Flags

• Declining Deposits + Rising NSF — revenue is dropping while overdrafts increase. This is a critical distress signal.
• Negative Day Acceleration — the number of negative-balance days is increasing month over month.

Deposit Pattern Analysis

VeriBank scans all deposits for patterns that tell a story about the merchant's business health:

• Payroll Detection — regular payroll deposits indicate the merchant has employees (generally a positive sign)
• Round Number Deposits — large round-dollar deposits ($5,000, $10,000, etc.) may indicate cash injections or owner contributions to mask declining revenue
• Consistent Weekly/Monthly Deposits — predictable deposit patterns suggest stable recurring revenue
• Declining Trend — month-over-month deposit decline is flagged with severity
• Largest Deposit Concentration — if a large portion of revenue comes from a single deposit, the merchant may be customer-concentrated

Signal Levels

Each pattern finding is tagged with a signal level: LOW (informational), MODERATE (worth noting), or HIGH (requires attention).

Advance Sizing

The advance sizing section provides three funding scenarios based on the merchant's financials:

Each scenario shows the supportable monthly payment and supportable daily ACH amount the merchant can handle based on their cash flow.

Recommended Max Advance

VeriBank also provides a recommended maximum advance amount along with a suggested factor rate and term length. This is calculated from the moderate scenario using the merchant's average monthly deposits and risk profile.

Funding Conditions

The report may list conditions that should be met before funding, such as "no new MCA positions," "current on existing obligations," or "positive deposit trend." These are generated automatically based on the analysis findings.

Account Settings

Access your account settings from the Settings tab in the sidebar after logging in.

• Email — your login email (cannot be changed; contact support if needed)
• Password — reset your password using the "Forgot Password" link on the login screen
• API Key — your unique API key for programmatic access (visible in Settings)
• Plan — your current subscription plan and usage stats

Plans & Billing

VeriBank offers a free tier and paid plans for higher volume:

Manage your subscription through the billing portal — accessible from Settings inside the app. Stripe handles all payment processing securely.

API Overview

VeriBank.io provides a RESTful JSON API for programmatic bank statement analysis. Integrate VeriBank directly into your CRM, underwriting pipeline, or custom tools.

Base URL

https://veribank.io/api/v1

Quick Start

The typical API workflow is three steps: upload a PDF, poll for completion, then retrieve the report.

All Endpoints

Authentication

All API requests require authentication via your API key. You can find your key in the Settings tab of the VeriBank app.

Header Format

Include your API key in the X-Api-Key header:

Alternatively, you can use a Bearer token in the Authorization header (session-based auth from the login endpoint):

Error Responses

Submit Analysis

Upload one or more bank statement PDFs to start an analysis job. The response returns an upload_id you use to poll for progress.

POST /api/v1/analyze

Content-Type: multipart/form-data

Example Response

GET /api/v1/status/{upload_id}

Poll this endpoint every 2 seconds until status is complete or error.

Full cURL Example

Reports & PDF

GET /api/v1/reports/{report_id}

Returns the full analysis report as a JSON object. Key fields in the response:

GET /api/v1/reports/{report_id}/pdf

Downloads a professionally formatted PDF report. Accepts an optional recipient query parameter that gets embedded in the PDF metadata.

GET /api/v1/reports

Lists all reports on your account. Returns an array of summary objects with report_id, business_name, risk_score, risk_tier, bank_name, and report_date.

DELETE /api/v1/reports/{report_id}

Permanently deletes a report. Returns {"deleted": "REPORT_ID"} on success.

GET /api/v1/account

Check your current plan, usage counts, and API key. Useful for monitoring quota before submitting batch jobs.

Error Handling

The API returns standard HTTP status codes. Error responses include a detail field with a human-readable message.

Error Response Format

Rate Limits

The API does not enforce per-second rate limits, but analysis jobs are queued and processed sequentially. For batch uploads, we recommend submitting one analysis at a time and waiting for completion before sending the next.

File Validation

• Files must have a .pdf extension
• Files must start with %PDF magic bytes (no renamed ZIPs or images)
• Maximum 6 files per request
• Maximum 15 MB per file
• Files smaller than 100 bytes are rejected as empty/corrupt

Email-In Analysis

VeriBank.io offers an Email-In Analysis feature that lets brokers and ISOs get bank statement reports without logging into the platform. Simply email your bank statement PDFs and receive a full analysis report back in your inbox — typically within 30 seconds.

How It Works

1. Compose an email to veribank@in.bffsoftware.com
2. Set the subject line to the business name (e.g., "Acme Corp LLC"). This becomes the business name on the report.
3. Attach the bank statement PDFs (up to 6 files, must be PDF format).
4. Send. VeriBank processes the statements automatically.
5. Receive your report — a reply email arrives with the full analysis: risk score, monthly cash flow, stacking detection, deposit patterns, and advance sizing. The PDF report is attached.

What You Get Back

• HTML email summary — key metrics, risk score badge, and business info right in your inbox.
• PDF report attachment — the same professional report you'd get from the web platform, including all 6 sections.
• Subject line formatted as: VeriBank Report: {Business Name} | Score {XX} {TIER} | {N} months analyzed

Requirements & Limits

• Attachments must be PDF files (JPG/PNG/scanned images are not supported via email).
• Maximum 6 PDF attachments per email.
• Subject line is used as the business name — keep it clean (prefixes like "Fwd:" and "Re:" are automatically stripped).
• The sender email address receives the reply — make sure it can receive emails.

Supported Banks

The Email-In pipeline uses the same analysis engine as the web platform. All supported banks work, including Chase, Bank of America, Wells Fargo, US Bank, Mountain America Credit Union (MACU), and many more. See the Supported Banks section for the full list.

Tips for Best Results

• Use digitally-generated PDFs downloaded from online banking — not photos or scanned paper statements.
• Include multiple months for a more comprehensive analysis. Each PDF can contain one or more statement months.
• Make sure statements are not password-protected — encrypted PDFs cannot be parsed.

Integrations & Recipes

VeriBank Recipes let you connect your analysis workflow to external tools — automatically. Once configured, recipes fire in the background every time an analysis completes. No manual steps, no copy-paste.

Available Recipe Types

How Authentication Works

The Integrations page is fully frictionless for logged-in VeriBank users. When you open /veribank-integrations.html while already logged in to the app, your existing session is used automatically — no API key or re-login required. If you're not logged in, you'll be prompted for your email and password. Your API key is always accepted as an alternative via the "Use API key instead" toggle.

Webhook Recipe

The Analysis → Webhook recipe POSTs a structured JSON payload to any URL you specify every time an analysis completes. Use it to push results into Zapier, Make (Integromat), your internal CRM, a Slack channel, or any custom endpoint.

Setup

1. Go to Integrations from the sidebar.
2. Click + Add Recipe on the "Analysis → Webhook" card.
3. Paste your webhook URL and optionally enter a signing secret.
4. Click Save. The recipe is live immediately.

Payload Structure

Every webhook POST includes:

• event — always "analysis.complete"
• timestamp — ISO 8601 UTC timestamp
• report — report ID, business name, risk score, risk tier, period, avg deposits, NSF count, stacking data, and a direct report URL
• transactions — included only if you enable "Include transaction detail" (capped at 500 rows)

Payload Signing (HMAC-SHA256)

If you provide a secret, VeriBank signs every payload and sends the signature in the X-VeriBank-Signature header as sha256=<hex>. Verify it on your end by computing HMAC-SHA256(secret, raw_body) and comparing.

Test Your Endpoint

Click Send Test on any saved webhook recipe to fire a synthetic analysis.test payload. Check your endpoint logs to confirm receipt before relying on it in production.

Google Account Setup

Google recipes (Drive Watcher, Gmail Trigger, Drive Save) all require a one-time Google account connection. This gives VeriBank permission to read/write your Drive and read your Gmail labels.

Connecting Your Google Account

1. Open Integrations from the sidebar.
2. Click Sign in with Google in the Google section at the top of the page.
3. Complete the standard Google OAuth flow — select your account and grant the requested permissions.
4. You'll be redirected back to the Integrations page. Your connected email will appear in the Google bar.

Disconnecting

Click Disconnect next to your connected email. This revokes VeriBank's access token. Any active Google recipes will stop firing until you reconnect.

Token Refresh

VeriBank stores a refresh token so your connection stays active indefinitely without you having to re-authenticate. If your Google account's permissions change or you revoke access from Google's side, you'll need to reconnect from the Integrations page.

Drive Drop → Auto-Analyze

The Drive Drop → Auto-Analyze recipe watches a Google Drive folder. Drop any bank statement PDF into that folder and VeriBank automatically picks it up, runs a full analysis, and saves the report to your dashboard. No manual upload needed.

One-Touch Setup (Recommended)

1. Connect your Google account if you haven't already.
2. On the "Drive Drop → Auto-Analyze" card, click ⚡ Create Folder & Activate.
3. VeriBank creates a folder called VeriBank — Bank Statements in your Google Drive and activates the recipe automatically.
4. A link to open your new folder appears on the card. Bookmark it.

Custom Folder Setup

If you prefer to use an existing folder: click or use your own folder, paste your Google Drive folder URL (the URL must contain /folders/FOLDER_ID), and click Activate.

How It Works

• VeriBank polls your watched folder every 5 minutes.
• Any PDF added since the last poll is downloaded, analyzed, and a report is created.
• Each file is processed exactly once — files already in the folder before the recipe was created are not re-analyzed.
• The original PDF is left in your Drive folder untouched.

Gmail → Auto-Analyze

The Gmail → Auto-Analyze recipe watches a Gmail label. When an email carrying a bank statement PDF lands in that label, VeriBank analyzes the attachment automatically.

Setup

1. Connect your Google account.
2. Create a Gmail label for incoming statements (e.g., veribank-incoming).
3. On the Gmail recipe card, type the label name and click Activate.
4. Have merchants or team members forward statements with that label applied (or set up a Gmail filter to auto-label).

How It Works

• VeriBank polls the Gmail label every 5 minutes.
• New emails with PDF attachments trigger an analysis. Each email is processed exactly once (marked as processed internally).
• The email subject line is used as the business name if the statement doesn't identify one.

Analysis → Save to Drive

The Analysis → Save to Drive recipe automatically saves the completed PDF report to a Google Drive folder every time an analysis finishes. Useful for building a Drive-based archive of all your underwriting reports.

Setup

1. Connect your Google account.
2. On the "Analysis → Save to Drive" card, paste a Google Drive folder URL and click Activate.
3. Every completed analysis will save a copy of the PDF report to that folder within seconds.

Frequently Asked Questions

How accurate is the analysis?

VeriBank's accuracy depends on the quality of the bank statement PDF. Digitally-generated PDFs from online banking portals produce the best results. The AI engine parses every transaction line and classifies it using pattern matching and NLP. Accuracy is typically 95%+ for well-formatted statements.

How long does an analysis take?

Most analyses complete in 10–30 seconds depending on the number of pages and transactions. Multi-month statements with hundreds of transactions may take up to a minute.

Is my data secure?

Yes. All uploads are transmitted over HTTPS (TLS 1.2+). Bank statements are processed in memory and not permanently stored on disk. Reports are saved to a database associated with your account and accessible only via your authenticated session or API key.

Can I delete a report?

Yes. Go to your dashboard, find the report, and use the delete option. Deleted reports are permanently removed from the database.

What if a bank statement doesn't parse correctly?

Check the parse warnings at the bottom of the report. Common issues include scanned PDFs (no text layer), password-protected files, or unusual statement formats. If the issue persists, contact support with the bank name and statement format so we can add support for it.

Can I export reports?

Yes. Every report can be downloaded as a professionally formatted PDF from the report view. The PDF includes all sections: risk score, cash flow, stacking detection, deposit patterns, and advance sizing.

How do I reset my password?

Click "Forgot Password?" on the login screen and enter your email. You'll receive a reset link. If you don't receive it, check your spam folder or contact support.

Can I analyze statements without logging in?

Yes! Use the Email-In feature: send your bank statement PDFs to veribank@in.bffsoftware.com with the business name as the subject line. You'll receive the full analysis report back in your inbox within seconds. See the Email-In Analysis section for details.

Does VeriBank have an API?

Yes. VeriBank provides a full REST API for programmatic bank statement analysis. You can upload PDFs, poll for results, and retrieve reports as JSON or PDF. Your API key is available in Settings. See the API documentation for full details, or visit the interactive Swagger UI.

Where do I find my API key?

Your API key is shown in the Settings tab of the VeriBank app. It starts with vb_. You can also call GET /api/v1/account with your session token to retrieve it.