Online Gaming Integration Guide

How to Integrate: Checkout.js vs API

As a gaming merchant, you have two main options when integrating Paynote:
Checkout.js or our direct API. Both options are simple — the key difference is how much control you want over the user experience.

Option 1: Checkout.js (Quickest Setup)

Checkout.js lets you create a user record, connect a bank account, and optionally initiate a transaction — all in one step. With a single “Connect Bank” button, your users:

• Enter their bank login via Plaid (username/password)
• Authorize their bank account
• Instantly have a verified funding source saved on file

You can configure the flow to:

• Save the bank account for later use (no payment)
• Or also initiate a one-time debit (during bank authorization)

Checkout.js is ideal if you want a plug-and-play solution with minimal fields and no need to build custom UI.

Option 2: Use the Paynote API (More Control)

If you need more flexibility, you can use our API to build a fully custom onboarding experience. The flow is straightforward:

1. Create a Customer
   Send basic details (like full name and email) to generate a unique user_id.

2. Generate a Plaid Link
   Use the user_id to create a Plaid link. This link allows your user to securely connect their bank account—via an embedded button, SMS, or email—at any point in your flow.

3. Initiate Transactions
   Once a bank account is connected, you can use the Direct Debit and Direct Credit endpoints to move funds to or from the user as needed.

Built-in Security & Features

• Real-time balance checks via Plaid before initiating any transaction
• Identity verification to ensure the bank account belongs to the customer
• Optional Plaid Signal risk scoring for enhanced fraud protection
• Support for Same-Day Debits and RTP (Instant Withdrawals)

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Have Questions or need help deciding?

Reach out to [email protected]

Option 1: Checkout.js

For most gaming platforms, we recommend using Checkout.js, our drop-in script that lets you:

• Embed a customizable “Add Bank Account” button directly in your UI
• Create a customer profile
• Link a bank account via Plaid
• Optionally initiate a one-time debit

This approach keeps your onboarding seamless and user-friendly.

Checkout.js Option 1A: Connect Bank Account via Plaid & Bill Later (Recommended)

Use this flow when you want to collect and save the user's bank details via Plaid for future transactions without initiating a payment right away.

Steps:

1. Implement Checkout.js
2. Customize request parameters, the button's appearance and CTA (e.g., "Add Bank Account")
3. Set the saveBankDetails parameter to true
   • When set to true, the bank account is saved to the customer’s profile without charging them
   • Leave amount field blank
4. Later, use the Direct Debit or Direct Credit API endpoints to:
   • Direct Debit - Upload funds (from user to platform)
   • Direct Credit - Withdraw funds (from platform to user)

Best for: Fast onboarding — users can connect a bank during signup and fund their wallet later.

Checkout.js Option 1B: Connect Bank Account via Plaid and Initiate a One Time Debit

Use this flow if your platform requires users to fund their wallet immediately during onboarding.

Steps:

1. Implement Checkout.js
2. Customize the button appearance and CTA (e.g., "Fund Wallet")
3. Set the saveBankDetails parameter to false
   • This will save the bank account and initiate a one-time debit for the amount specified.
4. Later, use the Direct Debit or Direct Credit API endpoints to:
   • Direct Debit - Upload funds (from user to platform)
   • Direct Credit - Withdraw funds (from platform to user)

Best for: Flows that require immediate funding when a user signs up.

Note: We recommend Checkout.js Option 1A for most online gaming platforms unless your onboarding flow requires users to pre-fund their account.

Option 2: Paynote API

For a more customized experience, use our API directly. This separates all actions meaning it allows you to create a customer at any time, connect a bank account to that customer at any time then create debits/credits out of that connected bank account

Step 1: Create a Customer

Use the Create Customer endpoint.

Step 2: Add Bank via Plaid

• Use the following endpoint to generate a unique Plaid link: Plaid Instant Verification
  • Embed a "Connect Bank" button directly in your app (Recommended)
  • Or send the Plaid link to your user via text/email

Tip: Embedding keeps the user in your UI and improves conversion.

Step 3: Allow Users to Upload and Withdraw Funds

• Use Direct Debit to upload funds from the user’s bank account
• Use Direct Credit to withdraw/payout funds to the user
  • Note: Available via API or dashboard

Want to see how this looks in action?
Watch our Gaming App Demo Video to see a full API integration flow from bank connection to fund transfers.

Summary

Paynote helps gaming platforms:

• Quickly onboard users
• Securely collect bank info via Plaid
• Support fast deposits and payouts

Need help? Email us at [email protected]

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SANDBOX: All transactions created within sandbox must be < $99.99.