[Glossary](https://blnkfinance.com/glossary) Penny test # What is a penny test? Penny test A penny test is a small live payment you send to confirm an account can receive funds, and often to confirm the name on it. You send a few cents, read the statement descriptor or the return, then send the real amount. It is not KYC. It is a rail probe. ## How does a penny test work? You originate a tiny credit. The customer tells you the amount, or you read a micro-deposit verification API. A return tells you the account is dead. Some products send two random cents and ask the user to enter them. That proves control of the account, not identity. ## Penny test vs prenote A prenote is a zero-dollar Nacha entry. A penny test moves real money, even if it is $0.12. Prenotes are quieter. Pennies show up on a statement and need a reversal or a write-off if you want the cents back. ## Do you post it? Yes, if it leaves your omnibus. It is a real transfer. Post it to a verification expense or to the wallet you will later use, and reverse it if you claw the cents back. Skipping the post is how penny tests become recon noise. ## How it works with Blnk Post the cents from `@WorldUSD_ACH` or from an expense pot to the destination you are testing. Use a unique reference. Reverse or refund if you take the cents back. Related terms - [ACH prenote](https://blnkfinance.com/glossary/ach-prenote) - [Virtual account](https://blnkfinance.com/glossary/virtual-account) - [Reconciliation](https://blnkfinance.com/glossary/reconciliation) - [ACH](https://blnkfinance.com/glossary/ach)