Integrating with Plaid for ACH Buyer Verification

Created by Richard Moore, Modified on Tue, 19 Sep, 2023 at 3:07 PM by Richard Moore

When adding new ACH payment methods, Exact uses Plaid to validate the bank account information provided before a payment can be made. Both Merchants and Partners planning using the API to create ACH payments must integrate with Plaid to verify a customer's banking information.

Instructions

Create your Plaid account
Follow the instructions on Plaid’s quick start guide: Documentation | Plaid
Choose Ruby as the language for the samples
Once you have the app up and running, click the Plaid Link and go through the steps to add a bank account
Click the /auth/get/ endpoint and verify that you see your account details:

Stop the app.
Download and apply the attachedpatch.difffile at the end of this article .
Rebuild/restart the app.
Again, add a bank account, and this time you should see an additional section for a Processor Token:
Send that request and record the token.
Send the /auth/get request again and record the account number, the routing number and the account type, if present.
Go to Postman and create an ACH payment method:

POST /account/{{accountId}}/payment-method
{
    "type": "ach",
    "billingDetails": {
        "name": "Plaid Test",
        "businessName": "Plaid Test",
        "email": "[email protected]",
        "address": {
            "line1": "21 Jump Street",
            "city": "Beverley Hills",
            "state": "CA",
            "country": "USA",
            "postalCode": "90210"
        }
    },
    "ach": {
        "routingNumber": "011401533",
        "accountNumber": "1111222233331111",
        "bankAccountType": "savings",
        "plaidToken": "processor-sandbox-2f1066d8-140d-47b2-bea0-bbbc56f7a515"
    }
}

And the response should indicate that the account is verified:

{
    "type": "ach",
    "token": "241b3b8c-95a2-429f-8376-3da8ba913992",
    "updatedAt": "2023-09-14T04:46:20.612Z",
    "createdAt": "2023-09-14T04:46:20.613Z",
    "billingDetails": {
        "email": "[email protected]",
        "name": "Plaid Test",
        "businessName": "Plaid Test",
        "address": {
            "city": "Beverley Hills",
            "country": "USA",
            "line1": "21 Jump Street",
            "postalCode": "90210",
            "state": "CA"
        }
    },
    "ach": {
        "bankAccountType": "savings",
        "verified": true,
        "lastFour": "1111"
    }
}

Find the customer in Dwolla Sandbox:

"id": "00eacb82-1581-4447-9990-a97ca35d1223",
"firstName": "Plaid",
"lastName": "Test",
"email": "[email protected]",
"type": "unverified",
"status": "unverified",
"created": "2023-09-14T04:20:20.557Z",
"businessName": "Plaid Test",
"correlationId": "secure-65028a04429c4c1bf7bdb187"

One verified checking account:

"id": "280a01ee-793d-4d1a-b160-d141975abdda",
"status": "verified",
"type": "bank",
"bankAccountType": "checking",
"name": "FundSrc 07099726-091c-41d6-beab-9f0cd5db73c4",
"created": "2023-09-14T04:20:25.301Z",
"removed": false,
"channels": [
    "ach",
    "real-time-payments"
],
"bankName": "SANDBOX TEST BANK",
"fingerprint": "9b6744931e9db6a27af5fdd9f065880bc21cd45fdcfee9d83a7c27bd35af2b49"

And another verified savings account:

"id": "5c6a983e-86fc-4d75-a82e-1335583fa5f4",
"status": "verified",
"type": "bank",
"bankAccountType": "savings",
"name": "FundSrc 241b3b8c-95a2-429f-8376-3da8ba913992",
"created": "2023-09-14T04:46:22.240Z",
"removed": false,
"channels": [
  "ach",
  "real-time-payments"
],
"bankName": "SANDBOX TEST BANK",
"fingerprint": "ac07032c81148bd80b3854c5893dc693e78abe6981ebebaaf1460553841dd2be"

Attachments (1)

diff

patch.diff
5.17 KB