Bridge a Plaid token

bridge.link.plaid(**kwargs) -> PaykeyV1 { data, meta, response_type }

post/v1/bridge/plaid

Use Bridge to create a new paykey using a Plaid token as the source. This endpoint allows you to create a secure payment token linked to a bank account authenticated through Plaid.

ParametersExpand Collapse

customer_id: String

Unique identifier of the related customer object.

formatuuid

plaid_token: String

Plaid processor token generated by your application for use with the Straddle API.

config: { processing_method, sandbox_outcome}

processing_method: :inline | :background | :skip

Accepts one of the following:

:inline

:background

:skip

sandbox_outcome: :standard | :active | :rejected | :review

Accepts one of the following:

:standard

:active

:rejected

:review

external_id: String

Unique identifier for the paykey in your database, used for cross-referencing between Straddle and your systems.

metadata: Hash[Symbol, String]

Up to 20 additional user-defined key-value pairs. Useful for storing additional information about the paykey in a structured format.

correlation_id: String

idempotency_key: String

request_id: String

straddle_account_id: String

ReturnsExpand Collapse

class PaykeyV1 { data, meta, response_type }

data: { id, config, created_at, 13 more}

id: String

Unique identifier for the paykey.

formatuuid

config: { processing_method, sandbox_outcome}

processing_method: :inline | :background | :skip

Accepts one of the following:

:inline

:background

:skip

sandbox_outcome: :standard | :active | :rejected | :review

Accepts one of the following:

:standard

:active

:rejected

:review

created_at: Time

Timestamp of when the paykey was created.

formatdate-time

label: String

Human-readable label used to represent this paykey in a UI.

paykey: String

The tokenized paykey value. This value is used to create payments and should be stored securely.

source: :bank_account | :straddle | :mx | 3 more

Accepts one of the following:

:bank_account

:straddle

:mx

:plaid

:tan

:quiltt

status: :pending | :active | :inactive | 2 more

Accepts one of the following:

:pending

:active

:inactive

:rejected

:review

updated_at: Time

Timestamp of the most recent update to the paykey.

formatdate-time

balance: { status, account_balance, updated_at}

status: :pending | :completed | :failed

Accepts one of the following:

:pending

:completed

:failed

account_balance: Integer

Account Balance when last retrieved

formatint32

updated_at: Time

Last time account balance was updated.

formatdate-time

bank_data: { account_number, account_type, routing_number}

account_number: String

Bank account number. This value is masked by default for security reasons. Use the /unmask endpoint to access the unmasked value.

account_type: :checking | :savings

Accepts one of the following:

:checking

:savings

routing_number: String

The routing number of the bank account.

minLength9

maxLength9

customer_id: String

Unique identifier of the related customer object.

formatuuid

expires_at: Time

Expiration date and time of the paykey, if applicable.

formatdate-time

external_id: String

Unique identifier for the paykey in your database, used for cross-referencing between Straddle and your systems.

institution_name: String

Name of the financial institution.

metadata: Hash[Symbol, String]

Up to 20 additional user-defined key-value pairs. Useful for storing additional information about the paykey in a structured format.

status_details: { changed_at, message, reason, 2 more}

changed_at: Time

The time the status change occurred.

formatdate-time

message: String

A human-readable description of the current status.

reason: :insufficient_funds | :closed_bank_account | :invalid_bank_account | 17 more

Accepts one of the following:

:insufficient_funds

:closed_bank_account

:invalid_bank_account

:invalid_routing

:disputed

:payment_stopped

:owner_deceased

:frozen_bank_account

:risk_review

:fraudulent

:duplicate_entry

:invalid_paykey

:payment_blocked

:amount_too_large

:too_many_attempts

:internal_system_error

:user_request

:ok

:other_network_return

:payout_refused

source: :watchtower | :bank_decline | :customer_dispute | 2 more

Accepts one of the following:

:watchtower

:bank_decline

:customer_dispute

:user_action

:system

code: String

The status code if applicable.

meta: ResponseMetadata { api_request_id, api_request_timestamp }

Metadata about the API request, including an identifier and timestamp.

api_request_id: String

Unique identifier for this API request, useful for troubleshooting.

formatuuid

api_request_timestamp: Time

Timestamp for this API request, useful for troubleshooting.

formatdate-time

response_type: :object | :array | :error | :none

Indicates the structure of the returned content.

"object" means the data field contains a single JSON object.
"array" means the data field contains an array of objects.
"error" means the data field contains an error object with details of the issue.
"none" means no data is returned.

Accepts one of the following:

:object

:array

:error

:none

Bridge a Plaid token

require "straddle"

straddle = Straddle::Client.new(
  api_key: "My API Key",
  environment: "production" # defaults to "sandbox"
)

paykey_v1 = straddle.bridge.link.plaid(
  customer_id: "182bd5e5-6e1a-4fe4-a799-aa6d9a6ab26e",
  plaid_token: "plaid_token"
)

puts(paykey_v1)

{
  "data": {
    "id": "182bd5e5-6e1a-4fe4-a799-aa6d9a6ab26e",
    "config": {
      "processing_method": "inline",
      "sandbox_outcome": "standard"
    },
    "created_at": "2019-12-27T18:11:19.117Z",
    "label": "label",
    "paykey": "paykey",
    "source": "bank_account",
    "status": "pending",
    "updated_at": "2019-12-27T18:11:19.117Z",
    "balance": {
      "status": "pending",
      "account_balance": 0,
      "updated_at": "2019-12-27T18:11:19.117Z"
    },
    "bank_data": {
      "account_number": "****1234",
      "account_type": "checking",
      "routing_number": "021000021"
    },
    "customer_id": "182bd5e5-6e1a-4fe4-a799-aa6d9a6ab26e",
    "expires_at": "2019-12-27T18:11:19.117Z",
    "external_id": "external_id",
    "institution_name": "Bank of America",
    "metadata": {
      "foo": "string"
    },
    "status_details": {
      "changed_at": "2019-12-27T18:11:19.117Z",
      "message": "Bank account sucesfully validated",
      "reason": "insufficient_funds",
      "source": "watchtower",
      "code": "code"
    }
  },
  "meta": {
    "api_request_id": "182bd5e5-6e1a-4fe4-a799-aa6d9a6ab26e",
    "api_request_timestamp": "2019-12-27T18:11:19.117Z"
  },
  "response_type": "object"
}

Returns Examples

{
  "data": {
    "id": "182bd5e5-6e1a-4fe4-a799-aa6d9a6ab26e",
    "config": {
      "processing_method": "inline",
      "sandbox_outcome": "standard"
    },
    "created_at": "2019-12-27T18:11:19.117Z",
    "label": "label",
    "paykey": "paykey",
    "source": "bank_account",
    "status": "pending",
    "updated_at": "2019-12-27T18:11:19.117Z",
    "balance": {
      "status": "pending",
      "account_balance": 0,
      "updated_at": "2019-12-27T18:11:19.117Z"
    },
    "bank_data": {
      "account_number": "****1234",
      "account_type": "checking",
      "routing_number": "021000021"
    },
    "customer_id": "182bd5e5-6e1a-4fe4-a799-aa6d9a6ab26e",
    "expires_at": "2019-12-27T18:11:19.117Z",
    "external_id": "external_id",
    "institution_name": "Bank of America",
    "metadata": {
      "foo": "string"
    },
    "status_details": {
      "changed_at": "2019-12-27T18:11:19.117Z",
      "message": "Bank account sucesfully validated",
      "reason": "insufficient_funds",
      "source": "watchtower",
      "code": "code"
    }
  },
  "meta": {
    "api_request_id": "182bd5e5-6e1a-4fe4-a799-aa6d9a6ab26e",
    "api_request_timestamp": "2019-12-27T18:11:19.117Z"
  },
  "response_type": "object"
}