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Connect

Connect

Quovo Connect is an easy-to-implement, mobile-optimized javascript widget that provides a user interface for key Quovo end-user workflows, including:

  • Searching for and selecting institutions
  • Creating a connection, entering credentials, and handling multi-factor authentication (MFA)
  • Initiating a sync
  • Addressing sync statuses
  • Requesting a new institution
In order to reduce time-to-market and implementation effort, many of our customers use Quovo Connect rather than build their own UI on our API. Getting started with Connect takes just a few minutes and is described in the three easy steps below. Full reference documentation is available here.

Quick Setup
Step 1: Get a UI Token
Our modules are authenticated on a per-user basis and require a single-use access token every time an embedded widget is created.
Here is a sample curl request:
curl -X POST \
    -H "Authorization: Bearer a724809d37d0a21b7e9257f45cee416f5aec61993ab4b09e" \
    "https://api.quovo.com/v3/users/12345/ui_token"
Step 2: Load the UI Javascript Library
Make sure you are loading the latest Quovo library at:
<script type="text/javascript" src="https://app.quovo.com/ui.js"></script>
Step 3: Set up the Button That Will Launch Connect Widget
Below is an example of a simple integration:
<div id="quovo-widget"></div>
<!-- {token} is generated by a backend process every time the page is loaded. -->
<script
  type="text/javascript"
  src="https://app.quovo.com/ui.js"
  data-connect-id="quovo-widget"
  data-token="{token}">
</script>
Connect Workflow
This section will detail the steps in the Quovo Connect workflow. While the custom parameters may change the contents of the screen or some of the steps in this workflow, this section is meant to provide a high level overview as to what to expect in Quovo Connect:
Step 1: Landing Page
When you open Quovo Connect, the first screen you will see is a landing page that shows the top 9 institutions.
Step 2: Search For Institution
The user can search for their institution using the search bar at the top of Connect. If the institution the user would like to connect to is in the top 9, then they can skip this step and click on the institution tile.
Step 3: Enter Login Credentials
After a user selects their institution, they’ll be taken to a screen where they need to enter their online banking login information. The user will need to enter their username & password.
Step 4: Multi-factor Authentication
After the user successfully enters the correct credentials, they will be prompted to answer any multi-factor authentication (MFA) questions. Examples include Captcha, selecting images from a set list of options, or answering a simple security question.
Step 5: Success
If the user has successfully answered the MFA question(s), then they will be taken to a success screen. This indicates the user has successfully added their connection. However, the user may be prompted to answer additional MFA questions over time.
 
Use Cases
Since connecting accounts is the first step in every workflow in the Quovo universe, we’ve broken out a step by step guide on how to use Connect for different use cases.
Viewing Held-away Accounts
If your primary use case is to see your user’s heldaway accounts, then you can use Connect without changing or adjusting any parameters.
Instant Account Verification
If your primary use case is our Instant Account Verification offering, then there are two parameters we recommend you change. The first is setting the parameter   syncType: auth  . The second is setting the parameter   results: auth  . These two parameters will restrict Connect to only return auth institutions and only run a quick “auth” sync.
Autoverified Microdeposits (/auth_deposits)
If you are interested in using our Auth Deposits product, then we recommend you set the flag   enableAuthDeposits: true  . This overrides whatever   syncType   you have set.
Microdeposit Accounts
If you are interested in using our Microdeposit Accounts product, then we recommend you set the flag   initiateAuthDeposits: true  . This will open take your user through a Microdeposit Accounts workflow in Connect. Your user will be prompted to pass an   account_number  , a   routing   number, and an (optional) nickname.
When your user has seen the deposits in their transaction history, they are ready to verify the deposit amounts. To allow your users to verify through Connect, pass the flag   verifyAuthDeposits: true  
iOS SDK
If you want to use Quovo Connect natively in an iOS app, you can use Quovo’s iOS SDK to streamline the implementation process. The iOS SDK allows you to launch Connect from within your app with just a few lines of code.
For more information on the Connect iOS SDK, including how to implement it, launch it, open it, and customize it, you can click here to learn more.