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Put micro-deposit verification logic into Billy #81

@jkwade

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@jkwade

From a potential customer:

Before the ACH transfer, we need to verify account access. Like many sites, we are planning to do micro-deposits (ACH credit) for their account.

Can Balanced help us do micro-deposits to a customer's account?

It's not efficient for a customer to use Balanced for this if they won't also be using Balanced's ACH Debts functionality. Does it make sense or Billy to contain the logic for MDVs, so these customers can use Billy with another ACH provider?

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