Plaid Instant Verification

Plaid Instant Verification

Instantly add and verify a customer’s bank account as a Paynote funding source using Plaid’s secure login flow. Once verified, you can immediately initiate ACH debits, credits, or subscriptions.

Prerequisites

• Customer: you must already have a customer in Paynote
  👉 Create a Customer
• Plaid public key: your live or test key from Plaid
• Webhook listener: set up to receive funding-source events
  👉 Funding Source Webhooks

Quick Start

1. Create (or lookup) your Customer
   Use the Create a Customer endpoint and grab the returned user_id.

2. Build the Plaid Link URL

   Text

   https://paynote.seamlesschex.com/#/bank-account/{PUBLIC_KEY}/{USER_ID}?successUrl={SUCCESS_URL}&cancelUrl={CANCEL_URL}
   

   • Replace {PUBLIC_KEY} with your Plaid key
   • Replace {USER_ID} with the ID from step 1
   • Set successUrl / cancelUrl to wherever you want customers sent

   Production

   Text

   https://paynote.seamlesschex.com/#/bank-account/pk_live_…/usr_abc123?successUrl=https://yourapp.com/success&cancelUrl=https://yourapp.com/cancel
   

   Sandbox

   Text

   https://paynote-sandbox.seamlesschex.com/#/bank-account/pk_test_…/usr_abc123?successUrl=https://yourapp.com/success&cancelUrl=https://yourapp.com/cancel
   

3. Send the Link to Your Customer
   Email, SMS, or embed it behind a “Connect Bank Account” button.

4. Listen for Verification
   Watch your webhook endpoint for a funding source event with status Verified.

5. Start Transactions
   Once verified you can call any of:

   • Create a Direct Debit
   • Create a Direct Credit
   • Create a Subscription

Embedding in an Iframe (Optional)

If you want an in-page modal:

<dialog id="bank_modal"
        style="width:100%;height:100%;border:none;position:fixed;inset:0;
               background:rgba(0,0,0,0.6);display:none;z-index:999;">
  <iframe id="bank_iframe"
          src="https://paynote.seamlesschex.com/#/bank-account/{PUBLIC_KEY}/{USER_ID}"
          style="position:fixed;top:50%;left:50%;transform:translate(-50%,-50%);
                 border:none;border-radius:8px;overflow:auto;
                 width:360px;height:630px;">
  </iframe>
</dialog>

Then in your JS:

function onSuccess(data) {
  console.log('Bank linked:', data);
  // e.g. enable “Make a Payment” button
}

function onError(data) {
  console.error('Link failed:', data);
  // e.g. show an error message
}

window.addEventListener('message', event => {
  if (event.data.event === 'callSuccessFunction') onSuccess(event.data);
  if (event.data.event === 'callErrorFunction')   onError(event.data);
});

Summary

• Step 1: Create customer → get user_id
• Step 2: Build Plaid link URL
• Step 3: Send link or show in iframe
• Step 4: Wait for “Verified” webhook
• Step 5: Process ACH debits, credits, or subscriptions immediately

This flow eliminates manual verification and gets your customers up and running with ACH in minutes.