Authorisation flows
Understanding the different authorisation flows for account access
When a user authorises access to their bank account, the flow depends on the bank (institution) they're using. Verify supports all standard Open Banking authorisation flows.
Available Markets
Verify is currently available in Austria and Germany. More countries coming soon.
Hosted Page
If you're using Volt's hosted page, you do not need to worry about the authorisation flow. Everything is handled automatically.
Overview
The authorisation flow determines how a user authenticates with their bank and consents to sharing account information. There are three main flows:
| Flow | User Experience | Common In |
|---|---|---|
| Redirect | User redirected to bank website/app | Most banks |
Redirect Flow
The most common authorisation flow. The user is redirected to their bank's website or app to authenticate and provide consent.
Sequence
Your App → Volt → Bank Website → Bank Auth → Consent → Volt → Your AppInitiate account access
Your app calls the Verify API to start the flow.
Redirect to bank
User is redirected to Volt's bank selection page, then to their bank.
Authenticate at bank
User logs in using their bank credentials (username, password, 2FA).
Provide consent
User reviews and approves sharing account information.
Return to your app
User is redirected back to your callback URL with the result.
API Response
When redirect is needed, the API returns:
{
"accountAccessFlow": {
"status": "PROCESSING",
"details": {
"reason": "AWAITING_USER_REDIRECT",
"redirect": {
"url": "https://vo.lt/verify/XY123",
"directUrl": "https://bank.de/authorize?session=abc"
}
}
}
}| Field | Description |
|---|---|
url | Volt's hosted page with bank selection |
directUrl | Direct link to bank (if bank already selected) |
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