This endpoint allows you to securely add and instantly verify a customer’s bank account as a funding source using Plaid. By integrating Plaid’s instant verification system, you can enable customers to link their bank accounts by securely logging in with their online banking credentials. The process streamlines account verification and supports various payment methods such as direct debits, credits, and subscriptions.
To add a funding source to a customer via Plaid, you will need to follow the steps below:
- Create Customer
- Retrieve the
user_idfrom the webhook response or the Create a Customer endpoint response. - Generate a Plaid link (see below) to share with your customer via email, text, or embed in a button on your platform.
- Listen for Funding Source Webhooks.
- Once the bank account is successfully connected (Funding Source status = Verified) you can begin creating direct debits, credits, and subscriptions.
Retrieve the user_id to generate a unique Plaid link for your customer.
By using this link, your customer can instantly verify their bank account using their online banking username and password.
Sample Plaid Link Format:
seсret key: pk_live_##########################,
user id: ########-####-####-####-############,
successUrl: url for redirect if success,
cancelUrl: url for redirect if cancel,
link url - https://paynote.seamlesschex.com/#/bank-account/{seсret key}/{user id}?successUrl={successUrl}&cancelUrl={cancelUrl}
Plaid Link for Paynote Production Environment:
https://paynote.seamlesschex.com/#/bank-account/pk_live_##########################/########-####-####-####-############?successUrl=https://success-page.seamlesschex.com&cancelUrl=https://cancel-page.seamlesschex.com
Plaid Link for Paynote Sandbox Environment:
https://paynote-sandbox.seamlesschex.com/#/bank-account/pk_test_##########################/########-####-####-####-############?successUrl=https://success-page.seamlesschex.com&cancelUrl=https://cancel-page.seamlesschex.com