Plaid Processor Token

Add Funding Source via Plaid Processor Token

Use your existing Plaid integration to generate a processor token, then hand it off to Paynote to instantly add a verified bank account for ACH payments (docs.paynote.io).

Prerequisites

• Customer: must already exist in Paynote
  👉 Create a Customer
• Plaid account: live or test mode ✔
• Processor token: generated via Plaid’s Processor Token endpoint (set processor=paynote)
• Webhook listener: configured to receive funding-source events
  👉 Funding Source Webhooks

Quick Start (New Customer)

1. Create your customer

   Text

   POST https://{env}-paynote.seamlesschex.com/v2/users
   

   Grab the returned user_id.

2. Generate a processor token via Plaid
   Call Plaid’s Processor Token endpoint and include:

   JSON

   {
     "account_id": "<PLAID_ACCOUNT_ID>",
     "processor": "paynote"
   }
   

   You’ll receive "processor_token": "processor-xyz".

3. Pass the token to Paynote

   Bash

   curl -X POST https://sandbox-paynote.seamlesschex.com/v2/fundingSource/processor/plaid \
     -H "Authorization: Bearer sk_test_yourkey" \
     -H "Content-Type: application/json" \
     -d '{
       "user_id": "usr_abc123",
       "processor_token": "processor-sandbox-xyz"
     }'
   

   Response will include your new funding source’s id and status Verified (docs.paynote.io).

Quick Start (Existing Customer)

1. Generate a Plaid processor token (same as step 2 above).
2. POST that token to the same Paynote endpoint (step 3 above).

Sample Response

{
  "success": true,
  "funding_source_id": "fs_123abc",
  "status": "Verified",
  "bank_name": "Bank of America",
  "last_four": "4321"
}

Summary

1. Customer → create or retrieve user_id
2. Plaid → generate processor_token with processor=paynote
3. Paynote → POST token & user_id → get a Verified funding source

With this flow you reuse your Plaid setup to onboard ACH funding sources in minutes—no manual micro-deposits required.