Currently, we are integrated with Microbilt's IBV 1.0 web service.  This allows us to send over bank info to Microbilt, and in turn they send an email to the customer to have them login into their bank.  Upon successfulu completion, Microbilt will send us a callback where we can update the status as Verified.  We will also link out to Microbilit's IBV report in HTML format.