Overview:
Plaid Processor tokens are used to seamlessly integrate with Plaid ACH processing partners like Paynote. They allow you to add verified bank accounts for your customers using ACH payments. These tokens are created through specific endpoints and integrated with Paynote for processing.
Options for Merchants:
1. Add a Processor Token & Create a New Customer
- Step 1: Create a Customer
Use Paynote's "create a customer" endpoint to set up a new customer profile.
- Step 2: Create a Plaid Processor Token
Use the designated endpoint to create a processor token, setting the processor to 'paynote'.
- Step 3: Pass the User’s Processor Token
Make a POST request to the following endpoint
2. Add a Funding Source via a Processor Token for an Existing Customer
- Step 1: Create a Plaid Processor Token
Follow the same process as above to create a processor token, ensuring the processor is set to 'paynote'.
- Step 2: Pass the User’s Processor Token
Make a POST request to the following endpoint
This setup allows you to efficiently manage your customers and their funding sources.
Once a customer is created and has a verified funding source, you will be able to facilitate transactions to and from their bank account.
Create Payments
After verifying the customer's funding source, proceed to create ACH transactions using the
- Direct Debit
- Direct Credit
- Subscription
- Invoice
Webhooks
Refer to our full list of webhook events. For cases of failed payments, you can find our ACH return codes.
Processing Times
Check our guide for information on ACH funding times.
Before using any endpoint, you need to set the environment:
Click on Environment in the Base URL and enter the appropriate option:
• api (Production) for the live environment.
• sandbox (Sandbox) for testing.