Common Merchant Goals

1. Add a Paynote Checkout Button

• Embed a Plaid ACH checkout using Checkout.js.
• Configure one-time direct debits, subscriptions, and more.

2. Create Customers + Link Bank Accounts

If you're not using Checkout.js, manually onboard customers and link their bank accounts for ACH transactions:

1. Create a customer
2. Add a funding source:
   • Plaid Instant Verification
   • Automated Micro-Deposits
   • Plaid Processor Token
   • Verified Routing/Account Numbers
3. Process ACH debits and ACH credits.

3. Authorize Bank Details Without Immediate Debit

Save a customer’s bank details now and debit them later:

• Checkout.js: Set saveBankDetails to 'true' during checkout to save bank info without processing a payment.
• API: Create a customer and add a verified funding source.

4. Set Up Recurring Payments

Automate ongoing billing with:

• Recurring Invoices: Auto-generate invoices daily, weekly, or monthly.
• Subscriptions: Create and manage subscription plans.
• Refunds: Easily issue refunds through the API.

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Tip: We offer detailed industry-specific guides for gaming, telemedicine, insurance, and more.

Webhook Events

Subscribe to webhook events for real-time updates on customer activity and transaction statuses.

Set Your Environment

Before making API calls, set your environment:

• API (Production) — for live transactions
• Sandbox — for testing